2500 euros pension per month: How much future pensioners have to earn

Enjoy life to the fullest as a pensioner?

For that you need the highest possible pension.

Many want that.

But what does it take for the dream to come true?

Hamburg – Many employees in Germany often put the dream of life and enjoyment on the back burner.

After all, there is still time for that in retirement.

But even if there is a pension in the form of basic security, even though you have never worked, the end result is probably not particularly desirable.

Despite long hours in the office as a pensioner, in the end there may not be as much as hoped for in order to enjoy life to the fullest.

Because only a few can look forward to a pension of over 2000 or even 2500 euros when they retire.

In addition, there are the taxes that are due on the pension or the part of the pension that pensioners have to pay tax on, so that the bottom line is that less ends up in the wallet anyway.

Pension of 2,500 euros per month: How do prospective pensioners reach this mark?

According to the

, a statistical survey showed that male pensioners in the old federal states received an average of 1664 euros in pension after 45 years of contributions, while women only received 1220 euros as a pension for their retirement.

In the new federal states, men received an average of 1350 euros and women 1286 euros.

In order to get a pension of 2000 to 2500 euros or more, employees are required to pay in continuously over a long period of time and also to earn a relatively large amount.

After all, the same applies to pensions as to many other things: those who pay in a particularly large amount also get a relatively large amount of money in the end.

Get a pension of over 2000 euros: Three factors are decisive for the pension as a pensioner

However, the pension system is capped.

This can be determined by the pension points to be achieved in the year.

This number is determined by the contribution assessment limit.

Conversely, this also means that anyone who earns more as an employee will not receive any additional points for their pension as a pensioner.

Salary, contribution years and pension points are decisive for the highest possible pension.

For example, someone who pays in for a very long time has to collect fewer pension points per year than someone who, for example, has studied for a very long time and is therefore missing payment years.

Secure a high pension: This is how employees as pensioners receive a pension of over 2,000 euros

, anyone with an average gross salary of around 3,000 euros would have to

pay into the pension fund for around 70 years.

A length of time that every prospective retiree would like to avoid if he or she still wants to get something out of life after work.

But how much money do employees really have to earn or save in order to get 2,000 euros or more in retirement?

If you want to secure such a high pension in old age, you have to earn at least 4,500 euros gross at the beginning of your working life in order to get up to speed, and that continuously for 45 years.

For many unimaginable, but with time and corresponding increases in income, one can reach the appropriate pension level for old-age provision.

2500 euros pension per month - employees should make private provision for the time as a pensioner

Aside from above-average earnings, private old-age provision such as the Riester pension or a company pension as old-age provision may be the key to success.

Because with only 40 years of contributions, a man would have to earn more than 5,600 euros gross per month for many years in order to achieve the goal of a high pension.

For women with children, or other workers who have fewer years of contributions, would have to pocket an even higher wage to get a pension of 2,500 euros a month in retirement.

It is all the more important to make clever provisions for your pension so that you can retire relaxed.

Even if the pension is due to increase this year, pensioners should pay attention to a few things in 2023 in order to regulate their inheritance.