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Pension & Retirement

Everything we've published tagged Pension & Retirement.

4 guides · Last updated 2026-08-24

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Pension Contributions Refund Germany After Leaving: 2026 Guide

Pension & Retirement

Aug 24, 20269 min read

Pension Contributions Refund Germany After Leaving

Non-EU nationals from countries without a German social security agreement can reclaim their 9.3% employee pension share, but only after a 24 month wait and Form V0901.

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01 Understanding the German Pension System as an Expat Five years of contributions is the magic number for a German pension, and a 2026 tax-phase-in law means your taxable share depends on the year you first draw it, not a flat rate. Aug 23
02 Pension Contributions for Expats in Germany Americans 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. Jul 29
03 German Private Pension Options for Expats Navigate German private pension options with our comprehensive 2026 guide. Learn about Riester subsidies, Rürup tax benefits, company schemes, eligibility requirements, and strategic approaches to maximize retirement savings as an expat in Germany... Jun 11

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More tagged Pension & Retirement

Pension & RetirementAug 23, 202614 min read

Understanding the German Pension System as an Expat

Five years of contributions is the magic number for a German pension, and a 2026 tax-phase-in law means your taxable share depends on the year you first draw it, not a flat rate.

Pension & RetirementJul 29, 20269 min read

Pension Contributions for Expats in Germany

Americans 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 & RetirementJun 11, 202614 min read

German Private Pension Options for Expats

Navigate German private pension options with our comprehensive 2026 guide. Learn about Riester subsidies, Rürup tax benefits, company schemes, eligibility requirements, and strategic approaches to maximize retirement savings as an expat in Germany...