How much pension does the 4100 euro salary come out according to the formula?

Anyone who earns 4100 euros gross per month in Germany is therefore slightly below the financial midfield. In 2024, the average content for full -time employees was 4634 euros gross per month.

The average gross wage of all insured persons is used to calculate the average gross wage. Last year, this was almost 3780 euros gross in West Germany and almost 3728 euros gross in East Germany.

If you want to know how high the pension is with an income of 4100 euros, you have to compare this value with the average gross wage fee of all insured persons per year.

But the salary does not only decide on the amount of the pension. Therefore, a few assumptions have to be made for the sample calculation: the income of the sample person was 4100 euros every month. In addition, it must be converted into D-Mark in the years before the introduction of the Euro.

It is also assumed that the sample pensioner has worked for 45 years and retired at the end of 2024. The beginning of his employment was 1979. In addition, the person retires at the regular age limit.

The formula for calculating the pension is as follows:

The most important thing for the pension height is the earnings points. As I said, these result from comparing your own income with the average income and the duration of employment.

Anyone who earned 4100 euros under the assumptions made above have had 61.15 earnings points at the end of their work. After the pension formula, it would currently come to a pension of 2404.21 euros. .

However, the calculation of the pension on an income of 4100 euros gross per month requires a variety of assumptions and idealized scenarios that are far from the reality of many employees. In practice, the assumption that an employee has constantly earned a fixed amount over a period of 45 is extremely unrealistic in practice, since income is subject to fluctuations and hardly anyone earns a whole professional life.

In addition, the conversions and adjustments that are necessary to determine a realistic pension amount are complex and often do not take into account additional factors such as interruptions in employment or changes in the pension system itself.

The pension calculation presented offers theoretical insights, as a practical orientation for most employees, it is only helpful. The differentiated consideration of individual résumés and employment biographies is necessary in order to obtain a realistic picture of future pension claims.

In order to get a better impression of how much pension you will receive with the current salary, it is worth taking a look at the annual pension letter from the pension insurance. Individual peculiarities are taken into account there.