1800 euro pension: How much money is deducted from this?

Anyone who compares the annual pension information with their current income is mostly disappointed. In old age we have to get by with significantly less money. What many overlooked: This is not even the sum that is actually paid out. Deductions are also due from the pension- for taxes, health and long-term care insurance.

In politics, the so -called corner pension is often expected, this is a intended standard value for the pension: the pension entitlement is that high if someone has earned the German average wages for 45 years. The corner pension was around 1770 euros per month in 2024. Therefore, we want to calculate here as an example of how much would have to be paid at a pension of 1800 euros in taxes. We assume that our sample pensioner retired on January 1, 2024 and that her pension was increased in summer so that she currently receives 1,800 euros a month.

The contribution rate for health insurance is currently 14.6 percent. The pension insurance institution takes over half of this (as before the employer). So if you are legally insured, you pay 7.3 percent of your pension to the health insurance company (up to the contribution ceiling). In addition, there is the additional contribution that varies from cash from cash on cash; In 2025 it is an average of 2.5 percent. Makes 9.8 percent for health insurance.

A basic amount of 3.6 percent has been due for long -term care insurance since 2025. Those who have remained childless pays 0.6 percentage points more. Anyone who has children who are still under 25 is relieved by 0.25 percentage points per child. (As a rule, this is no longer the case in retirement.) If we take the 0.6 percentage points basic amount, then we are overall social security contributions. This proportion is retained directly by the German pension insurance and removed to the health insurers.

The age of the age has been in place since 2005, pensions have been taxable since then. As a compensation, employees have been able to take out an ever larger part of their contributions to pension insurance from the tax, as so -called pension expenses since this year.

In order to avoid hardship, all pensioners have been granted an individual pension allowance since 2005. In the first year he was 50 percent of the pension at the time. For each year that is new to retire, an exemption is specified individually, which then applies to the entire pensioner. Each year gets a slightly smaller allowance: in 2024 it was 17 percent of the pension. In 2030 it will be 14 percent, then in 2040 9 percent, and the vintage, which will retire after 2057, will eventually have to tax the pension completely. (See table at the bottom.)

However, the pension contribution is set in euros. While the pensions are increased somewhat year after year, adapted to the increasing wage level, the allowance no longer changes. In fact, the proportion of taxable pension increases a little every year.

In our example, we assume a pensioner who retired in early 2024 and achieved an annual pension of 21,128 euros – in the first half of 1721 euros and after the pension increase in the second half of 1800 euros per month. The annual pension allowance for the start of the pension in 2024 is 17 percent of the first gross annual gross. In our case, that’s 3592 euros.

Anyone who explains their tax as a pensioner does not have as much deduction options anymore. However, two flat rates can be set in principle: the 102 euros for advertising costs of (only) and that for special expenses of 36 euros.

The following also applies to pensioners: the subsistence level must not be taxed. In order to take this into account, the basic allowance is determined year after year. It is in 2025 for singles at 12,096 euros. So that remains. Couples can estimate the double basic allowance.

Since we want to calculate the deductions from the monthly pension, but always have to expect annual values ​​for the tax, we assume that the pension will not. Then the tax bill results in the following table (all values ​​rounded to smooth euros). Of 1800 euros wages then go 10.4 percent for health insurance and long -term care insurance, i.e. 187 euros. 51 euros go to the wheel. So there will be 1562 euros net.

This shows that social security contributions make up more than the tax. Around three percent of the pension according to social security contributions go to the wheel. On the one hand, that’s not much. On the other hand, a large part of such a pension is already firmly planned for rent, heating and food. Then they are around 50 euros a lot of money.

By the way: We always determine the pension allowance from an annual gross. Now it is rarely the case that a pension begins on January 1st. Then the pension insurance takes the first full year of pension for the calculation. However, the percentage for the allowance always comes from the year in which the pension begins. An example: A pensioner retires on July 1, 2025, then the annual gross from 2026 is taken for the calculation and multiplied by the percentage 16.5, the tax -free share for 2025.