Deductible up to the maximum contribution of €30,826 (2026).
Marital status
Your tax savings
per year
€2,520.00
€2,520.00For a Rürup contribution of €6,000 you pay only €3,480.00 after tax – effectively 58% of your contribution.
What you can do
Pay in €1,000 more+€420.00
adds tax savings per year.
2.5% of your pension stays tax-free
With a pension starting in 2053, the taxable share is 97.5%.
Contributions and returns year by year (forecast at a 4% return). Drag the end of the curve to change your retirement age.
Net cost versus capital
After 27 years
Forecast (at 4% return)
Health/long-term care insurance: for pensioners covered by mandatory insurance (KVdR), the private Rürup pension is contribution-free (not an occupational pension benefit, Sections 229, 237 SGB V). Voluntarily insured members of statutory schemes pay the full rate on all income; privately insured pensioners pay their income-independent premium. No flat deduction is therefore applied here.
Who does Rürup pay off for?
Important restrictions
Rürup Pension Calculator by Rechnerzentrale(opens in a new tab)2026 values