Gehaltswaage

Pension points

The German pension does not work with euro amounts from your past; it works with ratios. A year in which you earned exactly the national average earns exactly one point — which is why Germany needs no revaluation table at all.

A pension point is a ratio, not an amount

§ 63 Abs. 2 says it plainly: someone who earns exactly the national average for a calendar year earns exactly one full pension point for it. § 70 Abs. 1 generalises that into the rule — a year’s contribution base divided by the average earnings of that same year. For 2026 those average earnings are 51.944,00 € — provisionally, see below.

Which is why Germany needs no revaluation table

Because every year is stored immediately as a ratio to that year’s average, a year from 1985 sits on the same scale as a year from 2025. There is nothing left to revalue afterwards. Present value arrives only at the very end, when the summed points are multiplied by the current pension value. Austria publishes a fresh table of revaluation factors every year for its own assessment basis; Germany has no counterpart, and looking for one is the available mistake here.

What a single year can earn at most

What is capped is not the pension but one year: earnings enter the contribution base only up to the contribution ceiling, which for 2026 in the general pension insurance is 101.400,00 € a year (Anlage 2, § 159). Earnings above it produce no further points. No statutory maximum pension follows from that — the base is capped, the benefit is not.

Child-rearing periods

§ 70 Abs. 2 credits 0,0833 points for each calendar month of child-rearing — without contributions, so nothing need have been paid in for them. Over twelve months that comes to roughly one full point, which is to say roughly a year at average earnings.

Two uprating dates, and they do not coincide

Anlagen 1 and 2 — average earnings and the contribution ceiling — run on the calendar year. The current pension value does not: § 68 Abs. 1 changes it on 1 July. Treat the two alike and you spend half a year computing with the wrong pension value — and that is the one figure the entire formula is multiplied by.

For 2025 and 2026 Anlage 1 additionally carries a footnote: both are provisional average-earnings figures within the meaning of § 69 Abs. 2 Satz 1 Nr. 2, and § 70 Abs. 1 Satz 2 repeats it. Those are precisely the two years a pension calculation uses today, so we render the figure with that marking rather than as a settled number.