Money & Finance · Category
7 guides on pension & retirement for expats in Germany, each dated and linked to the office that decides.
Pension & Retirement Only your employee share of the Rentenversicherung, roughly 9.3% of gross pay, is refundable, and the clock on the mandatory 24-month wait starts the month contributions stopped, not your flight date.
Every guide
Pension & RetirementAmericans and other totalization-treaty citizens can't cash out at all, while a 24-month wait and the 18.6 percent contribution rate decide who else actually gets paid.
Pension & RetirementRiester, Rürup, or a company scheme: the right private pension depends on whether you are employed, freelance, and planning to stay. Who each one actually pays off for, with the 2026 numbers.
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The Sunday briefing
New guides, rule changes with the date they took effect, and the occasional correction. One short email a week, and I write every one myself.