For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
Statutory pension: 18.6% split 50/50 on wages up to Beitragsbemessungsgrenze (€96,600 2026 West / €96,600 unified). Voluntary bAV (occupational) and private Riester / Rürup top-ups.
State pension age
67
Earliest reduced age
63
Employee contribution
9.30%
Employer contribution
9.30%
State pension increasingly taxable: 100% taxable for new retirees from 2058 (2025: 83.5%).
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
DE retirement system — pension age, contribution rates, and withdrawal-tax treatment compiled from official scheme publications.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.