67 years
Standard retirement (retire at 67)
The standard old-age pension under §235 SGB VI — gradual rise from 65 to 67.
Retire from 63 for birth year 1997
Pension for long-term insured (35 contribution years) under §236 SGB VI.
Earliest retirement
63 years
Standard retirement
67 years
Maximum deduction
14.4 %
This calculation is a guide and does not replace the official pension statement (Rentenauskunft) from Deutsche Rentenversicherung (automatically sent from age 27).
When does your pension begin?
Projected retirement start for birth year 1997 with Retire from 63, assuming a January birth month.
January 2060
The exact month shifts with your actual birthday — the pension always starts the month after you reach the minimum age (§99 SGB VI).
Deduction in euros per month
Estimate your gross pension based on your pension points or gross annual salary.
Current pension point value (2025): €40.79 per point.
Regular gross pension
1,632 €/Mon.
Deduction
7.2 %
Less per month
−117 €
Actual pension
1,514 €/Mon.
Total loss from deduction over 17.6 years of life expectancy
− 24,812 €
Net pension estimate
Gross-to-net split after health insurance, long-term care insurance, and income tax.
- Net1,295 €79 %
- Tax131 €8 %
- LTC59 €4 %
- KVdR147 €9 %
Pension value trajectory
The pension value per earnings point is adjusted annually on 1 July via the Rentenwertbestimmungsverordnung — here is the trajectory since 2020 plus the 2026 forecast.
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Cohort comparison
How your retirement age compares with neighbouring birth years.
Birth year 1997: statutory retirement age 67y.
Does delaying retirement pay off?
The break-even analysis compares lifetime pension totals when retiring early, on time, or delayed.
Hover the lines to see cumulative sums per year.
Early (−4y, €1,397/mo)On-time (€1,632/mo)Delayed (+3y, €1,925/mo)
Pension taxation — birth year 1997
The taxable portion of your pension depends on the year it starts (§22 EStG). For birth year 1997, Retire from 63 starts around January 2060 — the fraction below is taxable. Whether tax actually applies depends on the personal allowance and other income.
Retirement start
2060
Taxable share
100%
Taxable (example/year)
€19,579
Example based on 40 earnings points at the current pension value. Actual tax depends on the individual tax bracket.
Additional earnings & partial pension
Since 1 January 2023, no earnings limit applies to any old-age pension — including Retire from 63 — following the Altersrenten-Hinzuverdienstneuregelungsgesetz.
No earnings limit
You may earn any amount alongside your pension. Additional earnings are still treated as income and subject to income tax.
- Before reaching the statutory retirement age, contributions from earned income continue to flow into the pension system and accrue extra earnings points.
- A partial pension (10–99% of the full amount) is available as a flexible bridge into retirement and can reduce tax exposure.
- Disability pensions (not shown here) still follow stricter earnings-limit rules.
Waiting period & contribution years
Each pension type requires a minimum insurance period (Wartezeit). Only if this is met does a claim exist. Contribution periods, child-raising credits, and pension-sharing periods all count.
Retire at 675 years
Retire at 6345 years
Retire from 6335 years
Disability pension35 years
Legal basis: §§50 and 51 SGB VI. The 45-year waiting period is the strictest rule and excludes certain periods (e.g. unemployment in the last 2 years before retirement).
Child-raising credits
Children grant additional pension points. How much extra pension do your child-raising years add?
- Children born before 1992: 2.5 pension points
- Children born from 1992: 3.0 pension points
Other pension types for birth year 1997
Legal basis
Retirement ages and deductions follow directly from the Sixth Book of the German Social Code (SGB VI).
- DRV Regelaltersgrenze (§235 SGB VI)(last verified 2026-04-19)
- §236 SGB VI — langjährig Versicherte(last verified 2026-04-19)
- §236a SGB VI — Schwerbehindertenrente(last verified 2026-04-19)
- §236b SGB VI — besonders langjährig Versicherte (45 Jahre)(last verified 2026-04-19)
Frequently asked questions for birth year 1997
When can I retire (birth year 1997, Retire from 63)?
For birth year 1997, Retire from 63 can be claimed at 63 years. Maximum deduction: 14.4%.
What is the statutory retirement age for birth year 1997?
Under §235 SGB VI, the statutory retirement age for birth year 1997 is 67 years.
How much does each month of early retirement cost?
Each month before the statutory retirement age reduces the pension by 0.3% for life. For an example gross pension of €1631.6/month this is about €4.89 per month for every month of early retirement.
Can I retire later than the statutory retirement age?
Yes. Each month of delay beyond the statutory retirement age increases the pension by 0.5% (§77 SGB VI). This can pay off given longer life expectancy — see the break-even section.
Do child-raising periods count as contribution years?
Yes. Each child grants 3 years of child-raising credits (for children born from 1992 onwards). These count towards the 35- and 45-year thresholds and add pension points.
How much of my pension is taxable (born 1997)?
The taxable portion depends on the retirement start year. For birth year 1997 with Retire from 63, retirement starts around January 2060 — 100% of the gross pension is taxable (§22 EStG). On an example pension of €19579/year this equals roughly €19579 in taxable income — the actual tax depends on the personal allowance and other income.
Can I earn additional income alongside my pension?
Yes. Since 1 January 2023, all statutory old-age pensions have no earnings limit (Altersrenten-Hinzuverdienstneuregelungsgesetz). This applies to the statutory retirement pension as well as all early pensions (age-63, 45-contribution-years, disability). Extra income is still taxable as regular income.
How many contribution years do I need for Retire from 63?
The minimum insurance period (Wartezeit) for Retire from 63 is 35 years. The general waiting period for the statutory retirement pension is 5 years (§50 SGB VI); the age-63 with deduction and the disability pension require 35 years; the deduction-free 45-year pension requires 45 years (§§51, 236, 236a, 236b SGB VI).
How does the pension value per earnings point evolve?
The current pension value is €40.79/month per earnings point. It is adjusted annually on 1 July via the Rentenwertbestimmungsverordnung, driven by wage growth, the sustainability reserve, and the contributor-to-pensioner ratio. 2026 is forecast to reach €42.22 — about 28% above the 2020 value.
When exactly is my pension paid out?
With a January birth month and a minimum age of 63 years for Retire from 63, the earliest pension start is January 2060. The exact month shifts with your actual birthday. Pensions are paid monthly in arrears and begin under §99 SGB VI on the first of the month after you reach the minimum age.
Other birth years and related calculators
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