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For this, one had to be born before 1953 and also have 45 years of compulsory contributions to the statutory pension insurance. The last pensioners for whom this applied will retire in 2020.
One exception is the pension for long-term employees in the mining industry. They are entitled to full pension benefits from the age of 62 and can therefore retire one year before the age of 63, without deductions.
Those who want to retire at the age of 63 should therefore build up a sufficiently high private pension provision because of the deductions. It should be noted that this private benefit is lower than at 67 because the capital earns interest for a shorter period of time.
If you want to understand what you can expect from the german state pension than you can calculate it accurately with our mobile app.
You can also simulate any potential investments in the app that you could make to supplement the state pension.
Download our app and start gaining insight into your current and future finances.
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