Everything for your transition to retirement
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Check your pension account for completeness. Missing periods (training, child-rearing, unemployment) can reduce your pension!
Get free advice from the German Pension Insurance. The experts will calculate when and how much pension you can expect.
You should submit your pension application about 3 months before your desired retirement date. This can be done online, at the citizens' office, or at the DRV.
As a retiree, you usually stay in statutory health insurance (KVdR). Contributions are deducted directly from your pension.
Inform your employer in good time about your retirement date. Observe the notice periods in your employment contract!
Pensions are also taxable! The taxable portion depends on the year of retirement.
Child-raising periods increase your statutory pension. For children before 1992: up to 2.5 years. For children from 1992: 3 years per child.
If you care for relatives, care periods can increase your pension. Requirement: at least 10 hours/week on 2 days, care level 2-5.
Even with a mini-job, you accumulate pension entitlements. Own contribution: 3.6% of earnings. An exemption saves money short-term but reduces pension.
Periods with ALG I count towards pension (contributions are paid). Citizen's benefit does not increase pension, but may be relevant for waiting periods.
State pension alone is not enough for most people. Now is the right time to check private pension provision – before you retire. A free comparison shows you the best options.
The Rürup pension (basic pension) is particularly interesting for the self-employed and high earners. Contributions of up to €27,566 (2024) are tax-deductible – making it the most efficient retirement provision for high incomes.