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Pension revolution 2025: 3.74% more money for millions of retirees!
From July 2025, pensions in Germany will increase by 3.74%. Find out about changes, payout and deadlines.
Pension revolution 2025: 3.74% more money for millions of retirees!
From June 2025, there will be significant changes to the pension system in Germany. A pension increase of 3.74 percent is expected from July 1, 2025. This adjustment is the result of the Pension Value Determination Ordinance, which was passed by the Federal Cabinet on April 30, 2025. However, the Federal Council's approval of the pension increase is still pending, which must take place by the end of June. This could unsettle retirees who rely on the adjustment.
In addition to the general pension increase, a pension supplement of up to 7.5 percent will be paid out for up to three million pensioners. These payouts will be visible between June 10th and 20th, 2025. The new pension additions, which are due in June 2025, depend on age and the amount of payments. It is important to note that no new access to the discount-free retirement pension will be possible in June 2025.
Important deadlines and regulations
Retirees are advised to pay close attention to deadlines, check account statements and, if necessary, seek advice in order to fully exploit their entitlements. A look at the different types of pensions and the possibility of discounts is also important for many people. A table provides information about the respective regulations:
| Pension type | Birth periods | Possible discounts |
|---|---|---|
| Standard old age pension | March 2, 1959 – April 1, 1959 | No discount |
| Severely disabled people | July 2, 1963 – August 1, 1963 | 10.8 percent discount |
| Long-term insured people | May 2, 1962 – June 1, 1962 | 13.2 percent discount |
| Especially those who have been insured for a long time | from January 1, 1961 | No discount |
The pension adjustment refers to the annual increase in pensions, which takes place on July 1st of each year. This adjustment will be determined by the federal government in a regulation, whereby the approval of the Bundesrat is required. In 2025, the current pension value will increase from 39.32 euros to 40.79 euros. With a pension amount of 1,000 euros, the pension after adjustment will be 1,037.40 euros, which means an improved financial situation for many pensioners.
Calculation and influencing factors
Pensions are calculated by multiplying the earnings points that represent pension entitlements by the current pension value. The pension adjustment formula was supplemented by a level protection clause so that the pension level does not fall below 48 percent. This is particularly important in the context of financial security for pensioners.
In addition to the wage factor of 1.0369, the relevant factors for the pension adjustment in 2025 also include the net quota effect of 1.0005. The net ratios of pensions and wage income can also influence pension adjustment, which is important for both the state and pensioners.
Pension claimants will receive information about their pension adjustment between June 14 and July 23, 2025. The corresponding notifications and payments are sent by Deutsche Post AG's pension service, which is intended to ensure smooth processing. For further information, the German pension insurance offers extensive offers to inform pensioners about the upcoming changes.
For a detailed insight into the topics of pension adjustment, you can read the reports from echo24 and the German pension insurance echo24 and German pension insurance be consulted.