Finance

How Much Will Social Security Pay You?

Built by Kevin Glover · @gloverbuilds · Verified formula

Estimate your monthly Social Security benefit based on your earnings and claiming age. See how much you gain by waiting.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

How Social Security Benefits Are Calculated
The Case for Waiting Until 70
When to Claim Early

Deutsche Rente

Die gesetzliche Rente berechnet sich über Entgeltpunkte. 1 Punkt = Durchschnittsverdienst eines Jahres (~45.358 € in 2024). Aktueller Rentenwert: ~39,32 € (West). 45 Jahre Durchschnittsverdienst = 45 Punkte × 39,32 = 1.769 €/Monat brutto. Davon gehen KV und PV ab.

Rentenlücke

Die Rentenlücke = letztes Netto minus erwartete Rente. Bei 3.000 € Netto und 1.500 € Rente: 1.500 € Lücke/Monat. Private Vorsorge (ETF-Sparplan, Riester, bAV) ist für die meisten Deutschen unverzichtbar.

⚡ CalcWolf Insight

Delaying Social Security from 62 to 70 increases your benefit by 77% (30% reduction avoided + 24% delay credits). No other guaranteed, inflation-adjusted investment offers this return.

Frequently asked questions

Wie viel Rente bekomme ich?▾

Entgeltpunkte × aktueller Rentenwert. Die jährliche Renteninformation zeigt Ihre Prognose.

Reicht die gesetzliche Rente?▾

Für die meisten nicht. Durchschnittsrente: ~1.550 € brutto. Private Vorsorge ist nötig.

✓ Math logic verified against primary sources → See our verification process

Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →