The individual pension contribution can be calculated using the pension formula. With a salary of 2700 euros, big jumps are probably not possible in old age.
An example calculation shows that even with a gross monthly salary of 2,700 euros, you are not in a significantly better position. In 2021, according to statistics from the Federal Ministry for Family Affairs, 22.4 percent of people over 80 in Germany were affected by poverty. This means that more than a fifth of those affected had a maximum of 1,167 euros available per month. The current pension value of 37.60 euros determines the amount due per earnings point. The pension type factor, however, varies depending on the type of pension. The average gross salary of all insured persons for 2024 is 45,358 euros. In order to calculate the monthly pension amount, consumers have to compare their annual salary with the German average income. To simplify things, we assume that a constant gross monthly Salary of 27000 euros was earned over a period of 50 years. In this case, the gross annual income is 32,400 euros.