Secure your retirement,
in Germany
Navigate the German pension system. Understand state pension, company pension, and private options to ensure a comfortable retirement.
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Understanding German Pensions
The German pension system has three pillars. Here's what you need to know.
The 3 Pension Pillars
Germany's retirement system consists of state pension (Pillar 1), company pension (Pillar 2), and private pension (Pillar 3). Understanding all three is key to a secure retirement.
Betriebliche Altersvorsorge (bAV)
Your employer may offer company pension schemes with tax advantages. Learn how bAV works and whether it makes sense for your situation.
State Pension (Deutsche Rentenversicherung)
How much state pension can you expect? Understand how contributions work and what you'll receive based on your years in Germany.
Plan your retirement with confidence
Tools and guidance to close your pension gap and retire comfortably
Pension Gap Calculator
See exactly how much you need to save to maintain your lifestyle in retirement.
Multi-Source Planning
Combine state, company, and private pensions into one clear retirement projection.
Tax-Advantaged Options
Maximize tax benefits with Rürup, Riester, and bAV strategies tailored for you.
Clear Timelines
Understand when you can retire and how different scenarios affect your income.
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Pension FAQs
Yes! If you work in Germany and pay into the state pension system for at least 5 years, you're entitled to a German state pension. You can receive it even if you leave Germany later.
Betriebliche Altersvorsorge (bAV) is company pension. Contributions are tax-free up to certain limits, and many employers match contributions. It's often a good deal, but depends on your employer's specific offering.
Yes, German state pension is paid worldwide. However, some company and private pensions may have restrictions. We can help you understand the portability of your specific pension setup.
A common guideline is to replace 70-80% of your pre-retirement income. Our pension gap calculator shows exactly how much you need to save based on your current situation and goals.
Main options include Rürup (tax-advantaged for high earners), Riester (subsidized if eligible), private insurance products, and ETF-based savings. The best choice depends on your income, tax situation, and flexibility needs.