German Pension Calculator 2026 vs SubBye

Working while drawing a German statutory pension? Understand how additional earnings, taxes and social contributions may affect your monthly figures under Germany's 2026 rules. Six calculators, with four included and two available through Premium: • Additional earnings (Hinzuverdienst): enter your pension type, monthly pension and work income to see the annual limit, any pension offset and combined monthly income. • Pension taxation (Rentenbesteuerung): see the taxable pension share, income tax, solidarity surcharge and optional church tax by German federal state. • Social insurance (Sozialversicherung): estimate employee contributions by job type, pension status and health insurance. • Early retirement (Vorzeitige Rente): use your birth year and manually entered earnings points (Entgeltpunkte) to see early-retirement reductions or later-retirement increases. • Flexirente (Premium): adjust the partial-pension share and see monthly income and pension gained from new earnings points. • Tax scenarios (Premium): review estimated tax and net income at different additional-earnings levels. Calculations are saved to a dated, on-device history. Share a result as a text summary. No account required; calculations work offline. Premium is a one-off purchase, with no subscription. Some calculator labels and results remain in German. Important: This is not an official app or affiliated with Deutsche Rentenversicherung. Figures are estimates for 2026, not a binding pension decision or a substitute for legal, tax or social-insurance advice.

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