Austrian Pension Gross to Net Calculator 2026
How much of your Austrian pension do you actually receive? This calculator deducts the 6% health insurance contribution from the 2026 gross pension, works out wage tax on the 2026 tariff with the pensioner tax credit (Pensionistenabsetzbetrag) and shows your net pension per month, the 13th and 14th payment in April and October and your net for the whole year.
Net pension per month
EUR / month
Example calculation with default valuesView sources
The full pensioner tax credit is deducted from the tariff tax, and the pension insurer withholds the rest as monthly wage tax.
Next step:Turn this gross figure into your net pay in AustriaWork out part-time gross and net pay for Austria
Your details
Your monthly gross pension as stated in your pension notice. It is paid 14 times a year.
If you are married or in a registered partnership for more than six months of the year, your partner has at most €2,720 of income a year and you do not claim the sole-earner credit.
Save scenarios
Save your inputs under a name, for example Current job and Offer, and bring them back later with one click. Scenarios stay in this browser only.
No scenario saved yet.
Side by side
Difference-135.75 EUR / month
Your pension in detail
- Health insurance (6%) per month
- 108 EUR / month
- Wage tax per month
- 27.75 EUR / month
- 13th and 14th payment net (each, on average)
- 1,609.08 EUR per payment
- Net per year (14 payments)
- 23,189.16 EUR / year
- Gross per year
- 25,200 EUR / year
- Taxable ongoing pension per year
- 20,304 EUR / year
- Tariff tax per year
- 1,353 EUR / year
- Pensioner tax credit per year
- 1,020 EUR / year
- Wage tax on both special payments
- 165.84 EUR / year
- Total deductions
- 7.98 %
Good to know
You claim the higher pensioner tax credit with form E 30 at the body paying your pension, or later in the annual tax assessment.
- The calculation assumes one statutory Austrian pension as your only income and residence in Austria. With several pensions or earned income on top, the tax is calculated jointly and usually comes out higher.
Non-binding estimate for 2026 under section 73 ASVG and sections 33 and 67 EStG. Not included: sole-earner and single-parent credits, allowances (for example for a disability), church contributions and donations, the contribution refund, several pensions or other income. Your pension payment slip is what counts.
The link carries your inputs, not the result: whoever opens it calculates with the current figures.
How much of a pension is left net in Austria?
In Austria in 2026, 6 percent health insurance comes off the gross pension and no other social contributions apply. Wage tax is only due once the tariff tax exceeds the pensioner tax credit of up to €1,020 a year, which without the higher credit means from a gross pension of about €1,650 a month.
The formula
Net pension = gross pension minus 6 percent health insurance minus wage tax. Annual wage tax = tariff tax on twelve monthly pensions after health insurance, minus the pensioner tax credit (€1,020, higher credit €1,502, phased out up to €31,494). 13th and 14th payment: 6 percent health insurance, then 6 percent wage tax on the part above €620, tax-free while both together stay at or below €2,615.
Worked example
Example: a gross pension of 1,800 EUR loses 108 EUR health insurance and 27.75 EUR wage tax, leaving 1,664.25 EUR net a month. The 13th and 14th payment bring 1,609.08 EUR net each on average, which makes 23,189.16 EUR net over the year.
Key figures for 2026
| Health insurance on the pension | 6 percent of the gross pension, including the 13th and 14th payment (section 73 ASVG) |
|---|---|
| Pensioner tax credit 2026 | up to €1,020 a year, phased out between €21,614 and €31,494 |
| Higher pensioner tax credit 2026 | up to €1,502 a year, phased out between €24,616 and €31,494 |
| No wage tax without the higher credit | on pensions up to about €1,650 gross a month |
| 13th and 14th payment | €620 free, then 6 percent, tax-free up to €2,615 for both together |
| Income tax tariff 2026 | 0 percent up to €13,539, then 20, 30, 40, 48 and 50 percent |
Figures verified:
How the pension calculator works
Austrian pensions are paid 14 times a year: twelve ongoing monthly pensions plus one special payment each in April and October. From every payment the pension insurer withholds a 6 percent health insurance contribution, the rate that applies since 1 June 2025 and in 2026 (section 73(1) ASVG). Pension and unemployment insurance no longer apply in retirement.
Wage tax on the ongoing pension follows the same 2026 income tax tariff as for employees: 0 percent up to €13,539, then 20, 30, 40, 48 and 50 percent. The base is twelve monthly pensions after health insurance. The €132 work-expense lump sum does not apply to pensioners (section 16(3) EStG).
The pensioner tax credit is deducted from that tax, up to €1,020 a year in 2026. It shrinks evenly between €21,614 and €31,494 of taxable ongoing pension and disappears above that. Anyone married or in a registered partnership for more than six months of the year whose partner has at most €2,720 of income gets the higher credit of up to €1,502, phased out between €24,616 and €31,494 (section 33(6) EStG). That is why a pension of up to about €1,650 gross a month pays no wage tax, or up to about €1,865 with the higher credit.
The 13th and 14th payment are privileged like holiday and Christmas pay: after health insurance the first €620 a year are tax-free and the rest is taxed at 6 percent. If both special payments together come to no more than €2,615, no tax is due at all (section 67(1) EStG).
What the calculator does not know: a second pension, extra earnings, allowances or the sole-earner credit. It shows the order of magnitude very precisely but does not replace your pension payment slip.
Frequently asked questions
- How much health insurance do pensioners pay in Austria in 2026?
- 6 percent of the gross pension, deducted from each of the 14 payments, so from the 13th and 14th payment as well. No other social contributions apply in retirement.
- From what pension do I pay wage tax in Austria?
- Without the higher pensioner tax credit, a pension stays free of wage tax in 2026 up to about €1,650 gross a month, because the tariff tax does not exceed the €1,020 credit until then. With the higher credit the limit is about €1,865 gross.
- How are the 13th and 14th pension payments taxed?
- After 6 percent health insurance, the first €620 a year are tax-free and the rest is taxed at 6 percent. As long as both special payments together come to no more than €2,615, i.e. for a monthly pension up to €1,307.50, no tax is due.
- What is the higher pensioner tax credit?
- A higher credit of up to €1,502 a year for pensioners who are married or in a registered partnership for more than six months of the year, whose partner has at most €2,720 of income a year and who do not claim the sole-earner credit. You claim it with form E 30 at the body paying your pension or in the annual tax assessment.
- Can I get money back with a low pension?
- Possibly. If the tariff tax is below the pensioner tax credit, the tax office refunds 80 percent of the health insurance contributions through the annual tax assessment, at most €723 a year in 2026 and no more than the unused credit (section 33(8) EStG).
- Why is the pension higher in April and October?
- Because a special payment worth one monthly pension is paid with the April and the October pension. It is taxed at only 6 percent, so more of it stays net than of a normal monthly pension.
Related calculators & jobs
Embed this calculator
Add this calculator to your website for free, for example on a careers page, guide or university portal. Just copy the code, including the source credit.
The calculator adapts to the available width. Adjust the height to fit your layout.
The credit line is optional. Every calculator, with preview and terms of use: Embed our calculators for free
As of (tax year 2026) · last verified:
Sources:
- RIS: § 73 ASVG (Krankenversicherungsbeitrag 6 % auf Pensionen und Pensionssonderzahlungen)
- RIS: § 33 EStG 1988 (Tarif 2026, Pensionistenabsetzbetrag, SV-Rückerstattung)
- RIS: § 67 EStG 1988 (Sonderzahlungen, Freigrenze 2.615 €)
- RIS: § 77 EStG 1988 (Neuberechnung der Sonderzahlungen, Einschleifregel)
- RIS: § 16 EStG 1988 (kein Werbungskostenpauschale bei Pensionen)
- BMF: Steuerabsetzbeträge 2026 (Pensionistenabsetzbetrag)
- Sozialversicherung: Leistungsinformation 2026 (Krankenversicherungsbeitrag 6,0 %, Ausgleichszulage)
Scope of review: formulas and reference values were checked against the sources listed above, by the Nomado24 editorial team. What is verified is the calculation logic, not your personal situation. Not tax or legal advice.