Rürup pension
The Rürup-Rente (basic pension) is a tax-subsidised retirement plan in Germany that is particularly attractive for the self-employed and high earners.
Tax advantage (the main reason):
• Maximum deductible contribution 2025: €27,566 (single), €55,132 (married)
• 100% tax-deductible (since 2023)
• At a 42% marginal tax rate: up to €11,578 in tax savings per year
Who is it worthwhile for?
• Self-employed: no access to Riester/company pension – Rürup is the only subsidised option
• High earners (42%+ tax rate): maximum tax effect
• Freelance professionals: doctors, lawyers, architects without statutory pension
The disadvantages (honestly):
• CANNOT be cancelled! No early access to the money
• Only as a pension: no lump-sum payout possible
• Not inheritable (except to spouses/children as a survivor's pension)
• Full taxation: the later pension is taxed in full
Contracts in Germany: only approx. 2.7 million – far fewer than Riester (16 million).
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