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Key Assumptions for Calculation

Key data: Entry age 35

Tax and social security: Gross monthly income €3,500, tax class I, child tax 8%, statutory health insurance including additional contribution of 1.7%, long-term care insurance (GPV) contribution rate 4% for those without children.

The calculations are based on the tax and social security regulations of 2024.

Note: The basis is an estimated monthly standard retirement pension of €1,487 gross at age 67 before taxes and contributions, excluding inflation, salary, and pension adjustments. Projected contributions to statutory health and long-term care insurance and taxes are taken into account (as of 2024).

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Briefly explained in 30 seconds

Company pension scheme

Summarized for you

  • With a company pension scheme (bAV), also known as a company pension, you can benefit from a higher pension.
  • Reduce your pension gap with the help of your employer through a company pension plan. Thanks to government subsidies, you'll save on taxes and social security contributions.
  • Make use of your legal right – since 2002, employees have had a legal right to salary conversion.
  • Allianz offers several company pension plans: direct insurance, pension commitments, and a provident fund. Ask your employer what type of pension plan their company offers.
  • You can take the contract with you if you change employers – or continue your company pension scheme using your own funds.
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Infographic

Income can be cut by more than half upon retirement

The example shows: This is how quickly the supply gap is growing

For many, the pension gap is merely an abstract concept. It only becomes truly tangible in old age, when financial cuts become reality and the accustomed standard of living can no longer be maintained. Only those who realize today how much money they will truly lack in old age and how large the pension gap will be can take countermeasures and reduce the gap.

The sample calculation also shows how the exemplary pension gap of 1,054 euros becomes even larger if you retire early.

Notes on the sample invoice:

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