Expert Advice on Basis Pensions & Tax-Efficient Savings

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?

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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.

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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.

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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.

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