EXCLUSIVE Retirement Planning • Riester, Rürup & Private Plans • Tax advantages • Secure your golden years with expert guidance
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Find the perfect retirement plan for your golden years
Compare Riester, Rürup, and private pension plans from Germany's top insurers. Our calculator finds the best retirement solution for your needs and budget.
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Statutory Pension
Company Pension
Private Pension
State-subsidized retirement
Tax-deductible pension
Maximum flexibility
Most experts recommend combining multiple pension types for optimal retirement security. Start with Riester or Rürup for tax benefits, then add private pension for flexibility. The earlier you start, the more compound interest works in your favor!
€100/month
= €180,000 at 67
€150/month
= €150,000 at 67
€250/month
= €120,000 at 67
*Examples with 4% annual return
Plan for 70-80% of your final salary to maintain your standard of living. Consider inflation, healthcare costs, and desired lifestyle. If you earn €3,000/month now, aim for €2,100-2,400 in retirement.
Riester is excellent for families with children due to child bonuses and subsidies. Private pensions offer more flexibility. Many experts recommend combining both for optimal retirement planning and tax efficiency.
Riester and Rürup have strict withdrawal rules with penalties. Private pensions often allow early access but with reduced benefits. Emergency situations may provide exceptions, but early withdrawal significantly reduces your retirement income.
EU moves generally don't affect pension rights. Non-EU moves may trigger tax obligations and subsidy repayments for Riester. Private pensions are usually more portable internationally and offer more flexibility.
Riester and Rürup offer upfront tax benefits but are fully taxed in retirement. Private pensions have limited tax benefits during accumulation but more favorable taxation in retirement, especially for lump sum withdrawals.
It's never too late! While starting earlier is advantageous, you can still build significant retirement wealth starting at 40. You'll need to save more monthly, but tax-advantaged accounts and employer matching can help accelerate growth.
Don't wait - compound interest rewards early starters. Compare pension plans and start building your wealth now.
Maximize deductions
Affordable start
Professional advice