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Mini jobber: That's how much money a € 450 job can mean for your retirement


Anyone who does a mini job should know what they are entitled to. Don't forget: mini jobbers also pay for old age. So much money is in there.

Anyone who does a mini job should know what they are entitled to.

Don't forget: mini jobbers also pay for old age.

So much money is in there.

Around six million people

in Germany


in a

mini-job *

in 2020

and earned

a maximum of 450 euros a month


That's why they also say a 

450-euro job.

So much in advance:

Mini-jobbers can apply for exemption from compulsory insurance with the employer.

This is then binding until the end of the employment relationship.

In many cases, however, this step is not recommended - after all, mini-jobs also pay for old age.

The time spent in a mini-job will later be taken into account in the minimum insurance period for a pension.

Retirement provision: a 450-euro job also counts for retirement

In principle, mini-jobs have been subject to statutory pension


since 2013

. Specifically, this means: With an

income of 450 euros

, that's

16.20 euros a month

, as the German Federal Pension Insurance Association explains to a report by the German Press Agency (dpa). The


pays the main part of this amount with 15 percent. As a mini-jobber, you usually pay an additional 3.6 percent of your salary into your pension insurance, the report says.

The advantage is that the

time in the

mini-job will

 later be included in the


insurance period

for a pension

, as dpa continues to write.

This applies to the

old-age pension

as well as to a possible

disability pension

and a

survivor's pension


Apart from that, the contribution period also counts for

rehabilitation benefits

: "Anyone who has paid mandatory contributions to the pension fund for at least six months in the past two years can apply for rehab through the pension insurance," writes dpa.

Also read

: CV: You should leave this information out - it is completely out of date

Parents with a 450-euro job: is it worth paying contributions?

According to the pension insurance, a premium payment is particularly worthwhile

for parents with a mini job

: between the child's third and tenth birthday - the "child allowance period" - their contributions would be increased by up to 50 percent when calculating pensions, according to the report.

For the pension, the job then counts as much on a € 450 basis as if it had brought in up to € 675 a month.



should also know that: The later

retirement pension

increases by

a year in the insurable mini-job

according to today's values ​​by 6.67 euros per month.

According to the dpa, that is 80.04 euros per year and thus 37.08 euros more than without your own deposit.

Also read

: This mistake in reasoning before the salary negotiation can cost you a lot of money

Mini jobbers also benefit from the Riester pension

What about the

Riester pension


Here, too,



benefit if they


into the

pension fund

, according to the council.

"Here you only need to pay a small contribution to the Riester pension due to your low income," writes dpa.

This is particularly beneficial for mothers and fathers, as they receive child allowances in addition to the basic state allowance.

And what does it mean for


if they have a


beyond the regular age limit

and pay in their own contributions?

According to the report, the calculation goes like this: With a monthly income of 450 euros and a contribution of 16.20 euros, the pension increases by around 5 euros after one year.

(ahu) * is an offer from IPPEN.MEDIA


By the way, you can



tips on pensions

and how you can influence their amount in the “My Pension” guide from Stiftung Warentest (promotional link).

Also interesting

: Telephone sick leave is still possible - but only with certain symptoms

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List of rubric lists: © imago images / Panthermedia

Source: merkur

All life articles on 2021-04-20

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