Pension Plans forExpats & Professionals in Germany
Secure your future and build a reliable retirement plan with expert guidance in English — tailored for life in Germany.
Why You Need a PrivatePension in Germany
Plan ahead to protect your future lifestyle and financial independence.
The State Pension Won’t Be Enough
Public pensions usually replace only around 48% of your last net salary, leaving a significant gap.
Tax Benefits While You Save
Private pension contributions can be tax-deductible, especially valuable for high earners and freelancers.
Portable Plans for Expats
Your pension stays with you even if you move to another country.
Financial Freedom at Retirement
Choose flexible payouts: monthly income, lump sum, or a combination.
Takes less than 2 minutes • No commitment
Benefit fromtax advantages
When the pension is paid out, the returns accrued up to the start of the pension are tax-free. During the pension payout phase, a large portion of these returns also remains tax-free.
If the pensioner has reached the age of 62 and the contract has been in effect for at least 12 years, up to 50% of the returns are tax-exempt.
50%
Tax-exempt returns
12+
Years contract duration
62+
Eligible age
Included in ourGenius Pension Plan
Build your retirement with maximum flexibility, strong tax advantages, and long-term security — tailored for professionals and expats in Germany.
- ✓Flexible payouts adapted to your life goals
- ✓Tax-efficient retirement planning
- ✓Portable pension — even if you leave Germany
- ✓Secure long-term investment strategy
Free • No obligation • 30 minutes
Lifelong pension or one-time payout
Choose monthly income or capital payment
Disability insurance
Optional additional protection
Flexible retirement start
Decide when your pension begins
Provision for children
Available from €25 per month
Investment diversification
Risk spread across multiple funds
Warranty plan
Optional long-term security
Which retirement plan is rightfor me?
Explore the most important pension options in Germany and find the plan that best matches your income, career, and long-term goals.
- High tax-deductible contributions
- Lifelong monthly pension payout
- Protected from unemployment & insolvency
Note: Capital payout is not possible. Funds are locked until retirement.
Still not sure which pension fits you?
Speak with one of our pension experts and get a personalized recommendation — completely free and without obligation.
30-minute call • Free consultation • No commitment
Frequently asked questions
Everything you need to know about private health insurance in Germany.