Professional tax-deductible retirement solutions for self-employed, freelancers & high earners. Save up to €11,604+ annually in taxes withquality pension plans.
Premium comparison in 2 minutes - Discover elite Rürup plans with maximum tax benefits up to €11,604+ annually
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• Deductible at 100% (as of 2025)
• No income limits
• Reduces your tax burden significantly
• No employer pension scheme
• Irregular income tax optimization
• Business risk protection
• Supplement to statutory pension gaps
Tax Benefits
Up to €25,787 deductible
✅ Highest tax deduction
✅ Creditor protection
✅ No income limits
❌ No inheritance
❌ Only lifetime pension
❌ Fully taxed in retirement
Tax Benefits
Up to €2,100 + subsidies
✅ Government subsidies
✅ Child bonuses
✅ Inheritable
❌ Eligibility restrictions
❌ Complex rules
❌ Not for self-employed
Tax Benefits
Limited tax advantages
✅ Maximum flexibility
✅ Capital payout option
✅ Inheritable
❌ No subsidies
❌ Limited tax benefits
❌ Market risks
Guarantee: 100% capital + guaranteed interest
Returns: 2-3% guaranteed + surplus
✓ Maximum security
✓ Predictable returns
✓ Lifelong pension guarantee
Returns: 4-7% potential
Risk: Market-dependent
✓ Higher return potential
✓ Professional fund management
✓ Capital protection at retirement
Mix: Guaranteed + fund components
Strategy: Balanced risk/return
✓ Security + growth potential
✓ Flexible allocation
✓ Age-based risk adjustment
Timing contributions: Pay before December 31st
Variable payments: Adjust to income fluctuations
High-income years: Make larger contributions
Business expenses: Coordinate with other deductions
Pro Tip:
Use irregular income to your advantage - contribute more in high-earning years
Age-appropriate allocation: More equity when young
Cost comparison: Low fees = higher returns
Provider stability: Choose established insurers
Death benefit: Add life insurance component
Warning:
High fees can significantly reduce your final pension amount
Result: €42% government co-financing through tax savings
Result: Almost 45% government subsidy through maximum tax benefits
Yes! Employees can also use Rürup, especially high earners who want to maximize tax deductions. It's particularly useful when you've maxed out other pension options.
You can suspend payments temporarily. The contract continues and your accumulated capital keeps growing. You can resume payments when your financial situation improves.
Depends on your tax rate and risk tolerance. Rürup's tax benefits make it very attractive for high earners, but private investments offer more flexibility. Many combine both strategies.
Yes, you can have both if you're eligible for Riester. This allows you to maximize your total tax-advantaged retirement savings across both programs.
Earliest at age 62. However, waiting until your statutory retirement age usually provides higher monthly payments. You can also combine it with part-time work.
Your pension rights remain intact, but tax implications vary by country. EU countries generally have favorable rules, while non-EU moves may trigger tax obligations.
Example: €500/month contribution for 25 years with 4% return = approximately €600-800 monthly pension. The exact amount depends on your age at start and chosen product.
Younger investors can benefit from fund-based options for higher returns. Older investors or risk-averse people should prefer guaranteed products. Hybrid solutions offer a compromise.