{"id":37764,"date":"2026-05-04T09:07:03","date_gmt":"2026-05-04T08:07:03","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=37764"},"modified":"2026-05-15T08:34:39","modified_gmt":"2026-05-15T07:34:39","slug":"retirement-plan-germany-state-support","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/retirement-plan-germany-state-support\/","title":{"rendered":"Retirement Plan in Germany with State Support (Riester-Rente)"},"content":{"rendered":"\t\t
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\n RIESTER-RENTE \u00b7 RETIREMENT PLAN GERMANY<\/span>\n

Retirement plan in Germany with state support<\/h1>\n

If you are employed in Germany you can save for your pension and receive direct annual subsidies from the German government. We help you set it up for free and in your language.<\/p>\n

\n Request more information<\/a>\n Talk to an adviser<\/a>\n <\/div>\n

Free management<\/strong> \u00b7 We help you in your language throughout the process<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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What is the German state-backed retirement plan?<\/h2>\n

The German government created this additional option in 2002 for all employees, as it is widely expected that the standard state pension will be insufficient in the future<\/strong> to maintain an adequate standard of living.<\/p>\n

If you are employed you can save additionally for your pension with strong financial support from the government<\/strong>. The state contributes direct subsidies each year to your pension plan. However, you must sign up yourself<\/strong>, as the benefits do not happen automatically.<\/p>\n

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\u26a0\ufe0f<\/div>\n

If you do not have this insurance, you are giving away money that the state would pay you every year<\/strong> to increase your future pension.<\/p>\n <\/div>\n <\/div>\n

\n \"Retirement\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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How much does the German state contribute?<\/h2>\n

The German government pays the following amounts directly into your pension plan each year:<\/p>\n

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\u20ac175<\/div>\n
per adult \/ year<\/div>\n

For you and for your non-working spouse<\/p>\n <\/div>\n

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\u20ac185<\/div>\n
per child \/ year<\/div>\n

Children born before 1 January 2008<\/p>\n <\/div>\n

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\u20ac300<\/div>\n
per child \/ year<\/div>\n

Children born after 1 January 2008<\/p>\n <\/div>\n <\/div>\n

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\ud83d\udccb Real example of annual subsidy<\/h3>\n

You work, your partner stays at home and does not work. You have 2 children born after 2008.<\/p>\n

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Subsidy for you (adult)<\/span>\u20ac175<\/span><\/div>\n
Subsidy for your partner (adult)<\/span>\u20ac175<\/span><\/div>\n
Subsidy child 1 (born after 2008)<\/span>\u20ac300<\/span><\/div>\n
Subsidy child 2 (born after 2008)<\/span>\u20ac300<\/span><\/div>\n
Total annual state subsidy<\/span>\u20ac950<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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How much do I have to pay?<\/h2>\n

Your monthly contribution depends on your gross salary from the previous year and the subsidy you receive from the state. The formula is: 4% of your previous year's gross annual salary \u2212 state subsidy = your annual contribution<\/strong>. Divide by 12 to get your monthly payment.<\/p>\n

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\n Example 1<\/span>\n

Gross annual salary: \u20ac40,000<\/h3>\n

Married couple, 2 children born after 2008, only one works<\/p>\n <\/div>\n

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4% of \u20ac40,000<\/span>\u20ac1,600\/year<\/span><\/div>\n
State subsidy<\/span>\u2212 \u20ac950\/year<\/span><\/div>\n
Your annual contribution<\/span>\u20ac650\/year<\/span><\/div>\n
Your monthly payment<\/span>\u2248 \u20ac54\/month<\/span><\/div>\n
State contribution<\/span>\u2248 \u20ac79\/month<\/span><\/div>\n <\/div>\n
The state pays over 60% of the total plan<\/strong><\/div>\n <\/div>\n
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\n Example 2<\/span>\n

Gross annual salary: over \u20ac52,500<\/h3>\n

Married couple, 2 children born after 2008, only one works<\/p>\n <\/div>\n

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For salaries above \u20ac52,500 gross per year, the maximum mandatory contribution to the plan is \u20ac2,100\/year<\/strong>. The state subsidy is deducted from this amount.<\/p>\n

Maximum annual contribution<\/span>\u20ac2,100\/year<\/span><\/div>\n
State subsidy<\/span>\u2212 \u20ac950\/year<\/span><\/div>\n
Your annual contribution<\/span>\u20ac1,150\/year<\/span><\/div>\n
Your monthly payment<\/span>\u2248 \u20ac96\/month<\/span><\/div>\n <\/div>\n
Total to plan: \u20ac2,100\/year, of which the state contributes \u20ac950<\/strong><\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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Who is this plan especially suitable for?<\/h2>\n

This plan is suitable for any employee in Germany, but is particularly advantageous in these cases:<\/p>\n

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\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc66<\/div>\n

Families with children<\/h3>\n

The per-child subsidy makes this plan especially advantageous. The more children you have, the greater the state's contribution.<\/p>\n <\/div>\n

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\ud83d\udc8d<\/div>\n

Couples where only one works<\/h3>\n

If your spouse does not work, you also receive the adult subsidy for them, doubling the state's contribution.<\/p>\n <\/div>\n

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\ud83d\udc69\u200d\ud83d\udc67<\/div>\n

Single parents<\/h3>\n

With one or more children, the state subsidies make the plan very affordable and highly profitable.<\/p>\n <\/div>\n

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\ud83d\udcbc<\/div>\n

Any employee in Germany<\/h3>\n

Even without children, the \u20ac175\/year adult subsidy makes it a state-guaranteed investment worth having.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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Frequently asked questions about the retirement plan<\/h2>\n
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\n How do I sign up for the state-backed retirement plan?<\/summary>\n
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Fill in the request form and we will search for the best offers from the available insurers. If any of them suits you, we explain all the details. Once you decide to sign up, we send the documents to the insurer. The service is completely free.<\/p>\n <\/div>\n <\/details>\n\n

\n Can I pause payments for a period of time?<\/summary>\n
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Yes. The plan is very flexible: you can pause payments at any time for as long as you need, and resume whenever you want. It is important to know that during the period when you are not making your own contributions, you do not receive the state subsidy.<\/p>\n <\/div>\n <\/details>\n\n

\n What happens if I become unemployed?<\/summary>\n
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You can stop making deposits without any problem. You decide when to pause and when to resume contributions.<\/p>\n <\/div>\n <\/details>\n\n

\n What happens if I return to my home country?<\/summary>\n
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Monthly payments would stop. The capital accumulated up to that point (your contributions and state subsidies) remains in the contract. When you reach retirement age, you will receive a guaranteed monthly pension regardless of the country you are living in.<\/p>\n <\/div>\n <\/details>\n\n

\n Can the plan be transferred to my spouse if I die?<\/summary>\n
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Yes. In the event of death, the contract is transferred to your spouse, who would then receive a monthly pension from the plan. The transfer only applies to married couples, not to unmarried partners.<\/p>\n <\/div>\n <\/details>\n\n

\n Can plan shares be transferred to someone else?<\/summary>\n
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Yes, shares can be transferred to a spouse or children in certain cases. We will advise you according to your specific situation.<\/p>\n <\/div>\n <\/details>\n\n

\n We have had another child. How do I get the additional subsidy?<\/summary>\n
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If you already have a contract with us, just let us know. We will handle the new subsidy application with the insurer. The service is completely free.<\/p>\n <\/div>\n <\/details>\n\n

\n I already have a plan with another adviser. Can Bramex manage it?<\/summary>\n
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Yes. You can transfer management of your contract to Bramex. Just contact us and we will notify the insurance company of your request.<\/p>\n <\/div>\n <\/details>\n\n

\n How much will I receive as a pension when I retire?<\/summary>\n
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Once you contact us, we search for the best offer among the available insurers. The proposal we send you will show exactly what your guaranteed monthly pension will be at retirement age. This amount is also specified in the contract.<\/p>\n <\/div>\n <\/details>\n\n <\/div>\n <\/div>\n<\/section>\n\n

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What our clients say<\/h2>\n
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\u2605\u2605\u2605\u2605\u2605<\/div>\n

\"Excellent service! Super fast, super friendly and they genuinely care about your situation. So grateful.\"<\/p>\n

Ailin Chionda<\/div>\n <\/div>\n
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\u2605\u2605\u2605\u2605\u2605<\/div>\n

\"Bramex helped me kindly and advised me on how to get the required documents. I appreciate and recommend Bramex's services.\"<\/p>\n

Javier Diaz<\/div>\n <\/div>\n
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\u2605\u2605\u2605\u2605\u2605<\/div>\n

\"Professional, attentive and caring. They are advising me perfectly on every detail. A 100% recommended service.\"<\/p>\n

Luis de la Hoz<\/div>\n <\/div>\n <\/div>\n
\n See all reviews on Google<\/a>\n <\/div>\n <\/div>\n<\/section>\n\n
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Ready to start saving with state support?<\/h2>\n

Fill in the form and we will send you the best available offers for your case. We calculate how much you contribute, how much the state contributes, and what your guaranteed pension would be. Completely free management.<\/p>\n

\n Request information and offers<\/a>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n