How much pension does an occupational therapist get in Germany?

How the number is built

Median monthly pay in 2025

€3,695

+ 2.9% wage growth to 2026

€3,801

Pension points a year€45,614 a year ÷ €51,944 average earnings

0.878

× 45 years

39.52

× €42.52 pension value

€1,680 gross

− Health and care insurance, tax€147 + €71 + €79

−€296

Net pension a month

€1,384

The person is 35 today, has worked full time since 22 and retires in 2058 at 67: single, no children, no church tax. The pay is the median of full-time employees in the Federal Employment Agency's Entgeltatlas (as of 31 December 2025, one-off payments included). Pension points depend on pay relative to average earnings, so the pension is shown at 2026 wage levels: at today's prices, if wages and pensions keep pace with prices.

The range within the job

A quarter of full-time employees earn less than €3,086 gross, a quarter more than €4,336 (2025). After 45 years that gives €1,193 to €1,576 of net pension for the middle half of the job.

What each year is worth

Each year full time in this job adds €37 a month of gross pension, for life. Five missing years, from longer studies or time out of work, cost €187 a month. Ten years at half time cost the same.

Closing the gap

To have 80 % of today's take-home pay in retirement, €1,998 a month, €614 is missing. For the money to last until 90, that needs €102,943 at today's prices when the pension starts. From 35, that is €113 a month until retirement, rising each year with inflation, at a 7 % return and 2 % inflation, before tax.

Work it out with your numbersWhat the Altersvorsorgedepot adds →

Compared: Health and care

Among 61 jobs, Occupational therapist ranks 33 by net pension.

All 61 jobs ranked →

By Constantin Metz, the maker of Zenarios · Pay data retrieved 29 October 2026. A model calculation with today's rules, not a pension statement or advice. Your annual statement from the Deutsche Rentenversicherung shows your own points. How Zenarios calculates