Pension Calculator 2026

Work out your net pension in Austria for 2026: what is left of the gross pension after health insurance and wage tax with the pensioner tax credit, including the 13th and 14th pension, for ASVG and civil-service pensions, to the cent.

ASVG pension

€
Source
Your net+€61.90 vs. 2025
€1,913.41
regular pension / month
Net 87.33% SI 6.00% Income tax 6.67%
Marginal tax rate
30.00%
on the next earned €
Effective burden
12.67%
SI + income tax
Pension
Payment Month Year
Gross €2,199.00€30,786.00
SI
€131.94€1,847.16
Income tax
€153.65€2,054.65
Net €1,913.41€26,884.19
Payment
13th pension
14th pension
Gross €2,199.00€2,199.00
SI
€131.94€131.94
Income tax
€86.82€124.03
Net €1,980.24€1,943.03
Net per month
Regular net
13th / 14th

What your result means

Notes · updated live
13th and 14th taxed favourably

Your 13th and 14th pension, paid with the April and October pension, are taxed under the §67 special-payment rule at only 6 % (after the allowance), far below the regular rates.

Pension increase 2027

From January 2027 pensions rise: 2.95 % up to €6,930.00, + €204.44 above €6,930.00. Your gross pension goes up by €64.87 to €2,263.87. Under the 2027 rules that leaves €1,965.26 net a month, €51.85 more than now. If you only retired in 2026, the first adjustment is just 50 % of the increase, so €32.44 more gross on your pension. The pension increase guide shows the net at every pension level.

What your pension is really worth

With the 2026 pension adjustment your pension rose from €2,141.19 to €2,199.00 gross a month; net it rose by €555 a year. Prices rose 3.20% (provisional), so in real terms your net pension loses €287 a year. The line shows the same pension since 2016, stepped back through each adjustment, including one-off payments such as those of 2022 and 2023, in 2026 euros. The pension increase guide shows how pensions and prices have moved since 2002.

20162026
Married? Increased pensioner tax credit

If you are married or in a registered partnership for more than six months of the year and your partner earns at most €2,720 a year, you are entitled to the increased pensioner tax credit of up to €1,502. On your pension that is €64.18 more net a month. You can set it under "Adjust".

Working alongside your pension, or not retired yet? Go to the gross-to-net calculator

How your gross pension becomes your net pension

Only one social-insurance contribution comes off a gross pension: the pensioners’ health insurance under § 73 ASVG, charged on the monthly pension and on the 13th and 14th pension alike. Pension and unemployment insurance no longer apply in retirement. Since 1 June 2025 the rate is 6 %, before that 5.1 %.

Wage tax follows the income tax rates. Instead of the employees’ commuter credit you get the pensioner tax credit, which phases out to zero on higher pensions. There is no flat allowance for work expenses on a pension. The 13th and 14th pension are paid in April and October and taxed like special payments at a reduced 6 %. If your pension is so low that no tax is due, part of the health insurance comes back through the annual tax return, the social-insurance refund.

Upper quartile
Median
Lower quartile

Gross pensions in Austria per month. Your pension is about the 2026 (forecast) median of €2,199. By the forecast, the middle half lies between €1,352 and €3,256. Figures from 2025 are a forecast (shaded in the chart): the published 2024 values carried forward with the statutory pension adjustment. The actual median has so far risen a little faster every year, because new pensions are higher.

Questions about your net pension

Pensioners pay 6 % of the gross pension in health insurance. It is deducted from every monthly pension and from the 13th and 14th pension. No other social-insurance contributions apply to a pension. The rates since 2002 are under pensioners’ health insurance.
From a federal civil servant's Ruhebezug, 6 % health insurance under the B-KUVG and the Pensionssicherungsbeitrag are deducted; its rate depends on the start year (for a Ruhebezug since 2010, for example, 2.28 %). Wage tax then follows with the pensioner tax credit as for any pension. Instead of a 13th and 14th pension there are four special payments of 50 % each. Choose the pension type "Civil-service pension (federal)" and your start year above.
A credit taken straight off the wage tax. In 2026 it is €1,020.00 a year and phases out evenly from ongoing pension income of €21,614.00 to zero at €31,494.00. For pensioners it replaces the employees’ commuter credit.
If you are married or in a registered partnership for more than six months of the year, your partner earns at most €2,720.00 a year and you are not entitled to the single-earner credit. In 2026 it is up to €1,502.00. Cohabiting is not enough.
Like employees’ special payments: after health insurance the first €620 are tax-free and 6 % applies above that. Below a yearly threshold the payment is entirely tax-free. They are paid with the April and October pension; more under 13th and 14th pension.
Yes, through the social-insurance refund: in the annual tax return 2026, 80 % of your health-insurance contributions are refunded, up to €723.00 a year. The monthly pension statement does not include it.
If your total income is below the reference rate, the Ausgleichszulage tops the pension up to it. For a single person the reference rate in 2026 is €1,308.39 gross a month, from January 2027 €1,351.57 (provisional). The income of a spouse or registered partner in the same household and maintenance count towards it; you apply at the pension insurance.
Yes, pensioners are entitled to the Familienbonus Plus, the single-earner and single-parent credits just like employees. The pension office only applies them if you claim them on form E 30; otherwise they come through the annual tax return.

Sources: Jährliche Personeneinkommen of pensioners (Statistik Austria, as of 2024) for the median and quartiles, i.e. annual income including the 13th and 14th pension divided by 14, all pension types, several pensions per person added up. Pension adjustment 2025 to 2027 (Parliament, Ministry of Social Affairs) for the forecast. § 33 EStG 1988 and §§ 73, 105 and 293 ASVG (RIS) and each year's contribution values for the net, computed with the same engine as the gross-to-net calculator and checked against the BMF gross-to-net calculator.