Pension: How high it is with a monthly salary of 4,100 euros

Anyone who earns 4,100 euros gross per month in Germany is slightly below the financial middle range. In 2024, the average gross monthly salary for full-time employees was 4,634 euros.

The average gross salary of all insured persons is used to calculate this. Last year this was almost 3,780 euros gross in West Germany and almost 3,728 euros gross in East Germany.

If you want to know how high the pension is with an income of 4,100 euros, you have to compare this value with the average gross salary of all insured persons per year.

But the salary is not the only factor that determines the amount of the pension. Therefore, a few assumptions must be made for the example calculation: The example person’s income was 4,100 euros every month throughout his entire working life. In addition, it must be converted into Deutsche Mark in the years before the introduction of the euro.

It is also assumed that the example pensioner worked for 45 years and retired at the end of 2024. He began working in 1979. In addition, the person is retiring at the standard retirement age.

The formula for calculating the pension is as follows:

The salary points are the most important factor for the pension amount. As I said, these result from comparing your own income with the average income and the length of employment.

Anyone who earned 4,100 euros for 45 years under the assumptions made above had 61.15 earnings points at the end of their employment. According to the pension formula, this would currently result in a pension of 2,494.31 euros. .

But calculating the pension on an income of 4,100 euros gross per month requires a number of assumptions and idealized scenarios that are far removed from the reality of many employees. The assumption that an employee has consistently earned a fixed amount over a period of 45 years is extremely unrealistic in practice, as income is subject to fluctuations and hardly anyone earns the same amount throughout their entire working life.

Furthermore, the conversions and adjustments necessary to determine a realistic pension level are complex and often do not take into account additional factors such as breaks in employment or changes in the pension system itself.

Although the pension calculation presented offers theoretical insights, it is of only limited use as practical guidance for most employees. It is necessary to take a differentiated look at individual CVs and employment histories in order to obtain a realistic picture of future pension entitlements.

To get a better impression of how much pension you will receive with your current salary, it is worth taking a look at the pension letter sent out annually by the pension insurance company. Individual characteristics are taken into account.