Overview
- Germany’s provisional average earnings for 2026 are set at €51,944, pushing the cost to buy one pension point to about €9,661.58 versus €9,392 in 2025.
- The Deutsche Rentenversicherung confirms the application date governs pricing, so filings made in 2025 secure the lower 2025 rate even if payment and processing occur in 2026.
- Point purchases are generally limited to insured persons aged 50 and over with a path to 35 contribution years, and contributions are tax-deductible up to €29,344 in 2025.
- After passing a pension package that expands benefits, the government is installing a 13-member commission to deliver reform proposals by mid-2026, with analysts citing added fiscal burdens from measures such as suspending the sustainability factor and expanding the mothers’ pension.
- Official model calculations indicate a possible 2026 pension increase in the ~3.37%–3.73% range, but the final rate will be set in spring 2026 and net gains may be reduced by health and long-term care contributions and income tax.