Pension

We explain your options from private plans to state schemes so you can decide what works best for you.

Private pension

Private pension plans in Germany allow you to save for retirement on your own terms, with flexible contributions you choose and the option to start drawing your pension when it suits you.

Riester pension

The Riester Rente in Germany is a government-subsidized private pension. You can make flexible contributions, enjoy state contributions and tax incentives, and choose when to start receiving payouts once you reach 62.

Basis pension

Basis Rente, also called Rürup Rente, is a tax-advantaged retirement savings plan in Germany. It's designed mainly for self-employed people and high earners, offering flexible contributions and 100% upfront tax benefits to help build a reliable pension for the future.

bAV - Company pension

The bAV, or company pension plan, allows employees to save part of their salary for retirement, while enjoying tax and social security breaks and employer support to help increase your pension without feeling the financial pinch now.

Investment pensions

You can invest your contributions in funds, giving your pension growth potential while keeping your retirement flexible and tailored to your needs. There are significant tax benefits in retirement.

Why having a pension plan in Germany really matters

Financial security in your later years

A pension gives you a reliable income in retirement, helping you cover daily expenses, bills, and unexpected costs without depending entirely on the state or anyone else.

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Maintaining your lifestyle

A pension allows you to keep enjoying the things you love (hobbies, travel, dining out) without worrying that retirement will mean cutting back.

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Independence and peace of mind

Life doesn't always go as planned. Career breaks, illness, early retirement, or other unexpected events can reduce state pension entitlements. A personal pension helps protect you from these risks and gives you more control over your future.

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Complements the state pension

The state pension alone is usually not enough. Most people will need additional income to maintain their standard of living in retirement.

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Useful for international lifestyles

If you've lived, worked, or plan to retire outside Germany, a private pension can be easier to manage across borders than some state or employer-based schemes. This makes it a practical option for internationally mobile people.

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An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

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I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

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Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

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We explain your options from private plans to state schemes so you can decide what works best for you.

See how much more you could have for retirement in Germany