Overview
- - The national average old-age pension for the ≥35‑years group is €1,692 gross per month, with an average net payment of about €1,501 after health and long-term care contributions.
- - Saarland posts the highest average at €1,805 gross, followed by North Rhine-Westphalia (€1,773) and East Berlin (€1,756), while Thuringia (€1,572), Saxony-Anhalt (€1,580) and Mecklenburg-Western Pomerania (€1,591) are lowest, a gap of just over €230 per month.
- - The 2025 “standard pension” benchmark for 45 years at average earnings is €1,836 gross, exceeding the actual average because many careers include part-time work, low wages or interruptions.
- - For men, the highest averages are in Baden-Württemberg (€2,013), North Rhine-Westphalia (€2,005) and Saarland (€2,002); for women, East Berlin (€1,682), Brandenburg (€1,543) and Hamburg (€1,534) lead, with a smaller gender gap in the East due to more full-time female employment.
- - Regional differences stem from wage levels, the extent of full-time employment and sector-specific rules such as the mining-related knappschaftliche insurance.