Rürup Pension
Germany 2025
Professional tax-deductible retirement solutions for self-employed, freelancers & high earners. Save up to €11,604+ annually in taxes withquality pension plans.
Rürup Pension Comparison
Quick comparison in 2 minutes - Discover Rürup plans with tax benefits up to €11,604+ annually
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Rürup Pension Guide 2025
Maximum Tax Benefits
Tax Deduction Limits 2025
Deductible at 100% (as of 2025)
No income limits
Reduces your tax burden significantly
Tax Savings Example
Self-Employed Solutions
Ideal Candidates
- Self-employed and freelancers
- High-income employees
- People without Riester eligibility
- Those wanting creditor protection
- Business owners
- Professionals (doctors, lawyers, etc.)
Additional Benefits
- Protected from creditors (Hartz IV safe)
- No means testing for social benefits
- Professional insolvency protection
- Cannot be seized by authorities
- Bankruptcy-proof retirement savings
Why Especially Good for Self-Employed?
No employer pension scheme
Irregular income tax optimization
Business risk protection
Supplement to statutory pension gaps
Rürup vs. Other Pension Plans
Rürup Pension
Tax Benefits
Up to €25,787 deductible
Highest tax deduction
Creditor protection
No income limits
No inheritance
Only lifetime pension
Fully taxed in retirement
Riester Pension
Tax Benefits
Up to €2,100 + subsidies
Government subsidies
Child bonuses
Inheritable
Eligibility restrictions
Complex rules
Not for self-employed
Private Pension
Tax Benefits
Limited tax advantages
Maximum flexibility
Capital payout option
Inheritable
No subsidies
Limited tax benefits
Market risks
Rürup Product Categories
Classic Rürup Insurance
Guarantee: 100% capital + guaranteed interest
Returns: 2-3% guaranteed + surplus
Maximum security
Predictable returns
Lifelong pension guarantee
Rürup Fund Plans
Returns: 4-7% potential
Risk: Market-dependent
Higher return potential
Professional fund management
Capital protection at retirement
Hybrid Solutions
Mix: Guaranteed + fund components
Strategy: Balanced risk/return
Security + growth potential
Flexible allocation
Age-based risk adjustment
Important Considerations
No Inheritance Rights
Limited Flexibility
Tax in Retirement
Optimization Strategies
Maximize Tax Benefits
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
Risk Management
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
Rürup Calculations
Freelance IT Consultant
Result: 42% government co-financing through tax savings
Medical Practice Owner
Result: Almost 45% government subsidy through maximum tax benefits
Expert Q&A
Can employees also benefit from Rürup?
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.
What happens if I can't pay anymore?
You can suspend payments temporarily. The contract continues and your accumulated capital keeps growing. You can resume payments when your financial situation improves.
Is Rürup better than private investments?
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.
Can I have both Riester and Rürup?
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.
When should I start my Rürup pension?
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.
What if I move abroad permanently?
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.
How much pension will I receive?
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.
Should I choose guaranteed or fund-based Rürup?
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.