Ab DIESEM Gehalt zahlst du 2027 mehr Sozialabgaben!

Summary

Germany’s draft social-insurance calculation figures for 2027 would raise pension thresholds in line with wages, while increasing the statutory health-insurance contribution ceiling more sharply. The draft still requires cabinet approval.

Key figures and effects

Statutory pension insurance

• The average salary used to calculate pension points is set to rise from €51,944 in 2026 to €53,452 in 2027, an increase of 2.9%.
• At the average salary, a worker earns one pension point; earning half the average earns half a point.
• If gross pay does not rise in 2027, a worker will accrue fewer pension points. To maintain the same number of points, gross pay would need to increase by 2.9%.
• The pension contribution assessment ceiling would rise from €101,400 to €106,200 per year (4.7%). Earnings above the ceiling are not subject to further pension contributions and do not earn additional pension points.
• Maximum annual statutory pension contributions would be €9,877, up €446. Someone earning just below the ceiling would accrue just under two pension points per year.

Statutory health insurance

• The contribution assessment ceiling is proposed to rise from €69,750 to €76,500 per year, a 9.7% increase. The subtitles’ stated increase of “€500 per year” conflicts with those figures; the difference is €6,750.
• The presenter attributes the unusually large rise to the Statutory Health Insurance Contribution Rate Stabilization Act. The stated rationale is to have employers and higher earners contribute to savings for health-insurance funds. The measure adds €300 per month, or €3,600 per year, to the ceiling.
• The income threshold for compulsory statutory insurance would rise from €77,400 to €84,150. As a result, someone seeking to switch to private health insurance would need to earn more.
• The presenter says that at €69,750 in annual gross pay, the higher ceiling itself would make no difference; at €80,000, contributions would be 5% higher, and above €106,200, 7% higher. Ordinary premium increases could add to costs.

Other outlook and cautions

• The statutory pension contribution rate is expected to rise from 2028.
• A draft long-term-care reform could increase the surcharge for people without children by 0.1%.
• These figures are based on a draft, not a finalized decision.

Assets and instruments

No stocks, ETFs, bonds, commodities, cryptocurrencies, or other investment instruments are discussed.

Presenter and source

Presenter: Markus from Finanzfluss. The figures are attributed to a draft from Germany’s Federal Ministry of Labour and Social Affairs. No explicit “not financial advice” disclaimer appears in the subtitles.