Private Pension Plan for Expats in Germany
The German state pension alone won't be enough for a comfortable retirement. As an expat, starting a private pension early is crucial – especially with Germany's generous tax benefits and subsidies.
- Multiple pension product solutions
- Significant tax and subsidy benefits
- We compare from more than 40 companies and the current test winners
- Guaranteed return on investments available
- Our calculation focuses on test winners with the best price/performance
- All products regulated by German authorities
- With your request for a personal calculation there are guaranteed no costs
- All advice covered by our professional indemnity insurance
With Tax Advantages During the Saving Phase
What is your employment status?
This determines which pension plans and subsidies are available.
How the German Pension System Can Work for You
The German state pension scheme (Gesetzliche Rentenversicherung) is the cornerstone of pension planning in Germany. As the number of retirees increases, more and more contributors must pay for their pensions.
The German government actively encourages its citizens towards private pension planning through a system of mostly tax-subsidized, insurance-based solutions. Unfortunately, very few expats realize that they can also take advantage of these benefits while living and working in Germany.
Why Start Your Pension Plan Now?
The earlier you start, the more you benefit from compound growth and tax advantages. Our independent comparison helps you find the optimal retirement strategy.
We Compare 40+ Companies
Including the current test winners. Our calculation focuses on providers with the best price-performance ratio for expats.
Tax-Optimized Strategies
We help you maximize tax deductions and government subsidies available to you. Your personal calculation considers all relevant benefits.
Guaranteed Free Advice
Your personal consultation and plan comparison come at absolutely no cost. We are independent and work in your best interest.
Understanding Retirement Planning in Germany
Riester-Rente – Best for Employees
The Riester pension is a state-subsidized retirement plan for employees. The government adds up to €175/year, plus €300 per child. Contribute 4% of your previous year's gross income to receive the full subsidy.
Rürup-Rente – Best for Self-Employed
The Rürup pension offers significant tax deductions. Contributions up to ~€27,565/year (2026) are tax-deductible. Ideal for freelancers who don't qualify for Riester.
ETF-Based Savings – Maximum Flexibility
For expats who may leave Germany, ETF-based savings plans offer the best combination of growth potential and portability.
- Employees: Riester + ETF savings
- Self-employed: Rürup + flexible ETF plan
- High earners: Rürup + private investment
- Uncertain about staying: Focus on portable plans
Compound Growth
Start early and let compound interest work for you. Even €150/month grows significantly over time.
State Subsidies & Tax Benefits
Germany offers generous subsidies (Riester, Rürup) – free money for your retirement.
Regulated & Secure
All products regulated by German authorities. Your investments are protected.
Flexible Contributions
Adjust your monthly savings as your situation changes. Start small and increase over time.
Portable Solutions
We focus on plans that work even if you leave Germany.
English-Speaking Experts
Our advisors understand expat-specific situations and explain everything in plain English.
Frequently Asked Questions
Do I need a private pension as an expat?▾
The German state pension typically isn't sufficient for a comfortable retirement, especially for expats who may not contribute for 45 years. Private pension is highly recommended.
What pension plans are available in Germany?▾
Main options: Riester-Rente (state-subsidized, for employees), Rürup-Rente (tax-deductible, for self-employed), company pension (bAV), and flexible ETF-based savings plans.
Can I take my pension with me if I leave Germany?▾
The state pension is portable. Private plans vary – some allow lump-sum withdrawals, others continue payments internationally. We help you choose portable plans.
How much should I save for retirement?▾
Experts recommend 10-15% of gross income. Even starting with €100-200/month makes a significant difference due to compound interest.
What are the tax benefits?▾
Riester: up to €175/year + €300/child subsidy. Rürup: up to ~€27,565 tax-deductible. Company pensions: pre-tax deduction, reducing taxable income immediately.
What Our Clients Say
Finally understanding German pensions
“The advisor explained Riester and Rürup clearly and helped me set up a plan that saves me over €2,000/year in taxes.”
Thomas K.
Frankfurt
Excellent and patient guidance
“They found a flexible ETF plan that works even when I eventually return to Asia. Very patient and knowledgeable.”
Mei L.
Berlin
Great value, zero pressure
“The comparison was truly free. I ended up with a Rürup plan that perfectly fits my freelance income. Very professional!”
Sophie D.
Munich
Start Planning Your Retirement Today
The earlier you start, the more you benefit from compound growth and tax advantages. Get your free, personalized pension comparison.