thumb
Key features of the Basis pension (Rürup Rente)
Strong tax advantages
Your contributions are 100% tax-deductible, which lowers how much tax you pay each year.
Designed for self-employed and high earners
The basis pension (or Rürup Rente) is ideal if you don't have access to a company pension plan or want to save more for retirement. It is the only pension scheme in Germany that offers freelancers and self-employed an upfront tax benefit.
Lifetime financial stability
Your savings turn into a monthly pension you receive for life, so you can enjoy retirement without worrying about running out of money.

Why choose a Basis pension (Rürup Rente) plan in Germany?

Captura de pantalla 2026-01-12 a las 12.17.25

Pay less tax on your income

Your contributions are tax-deductible, which means you reduce your taxable income now while building a pension for the future. The higher your marginal tax-rate, the more you profit from the tax-savings.

Captura de pantalla 2026-01-12 a las 12.14.08

Guaranteed income for life

The Rürup Rente gives you a steady monthly payment when you retire, so you don't have to worry about running out of money and can maintain your standard of life.

Captura de pantalla 2026-01-12 a las 12.15.53

Your safety net as a freelancer

Freelancers don't have access to a company pension plan and are not obliged to contribute to the state pension, so the Rürup Rente allows you to build your own reliable retirement savings, similar to what employees receive through either a company plan or the German state pension system.

Banner Thumb

Great advantages, but lots of details. We’ll guide you through what really matters.

ProvenExpert logo4.9

What people say about us

StarStarStarStarStar

Today I had discussion with Bianca Lukas from MW Expat Solutions, It was amazing support and convincing discussion for the solutions and services of different Insurances offered in Germany. Thank you!

A
Atanas SpasovHR Manager
StarStarStarStarStar

Very helpful, show you all the options, and not pushing towards one particular solution - just finding what works for you and your family. Excellent - Adriana was very very helpful and helped us navigate the confusing options in Germany - thank you!!

M
Mark De CristoOffice Manager
StarStarStarStarStar

Started by reaching out for a consultation as my previous health insurance was coming to a close and I desperately needed to find a German plan. I worked with Dabar Reimer who went above and beyond in the process of assisting me. She helped guide me to a plan that worked for me.

A
Aurelia LeopoldHR Manager

Quick answers to questions you may have

Clear guidance, tailored to your needs — just the best options for you.