Pension: Why voluntary contributions are particularly worthwhile this year
Created: 05/26/2022, 09:01
By: Patricia Huber
Voluntary pension contributions are always a way to top up security in old age.
This year, however, the extra pension payment is particularly worthwhile.
Munich – If you want to retire before the actual retirement age, you have to expect deductions in most cases.
Means: The monthly pension will be less.
In order to avoid this, voluntary pension contributions can be paid during working life and pension points can be collected in this way.
How much a pension point "costs" is linked to the average wage.
This fell in 2022 compared to the previous year.
Pension points are significantly cheaper this year
As a result, the pension points are cheaper this year.
So if you want to secure an additional pension point in 2022, you have to pay a total of 7,235.59 euros into the German pension insurance fund.
This corresponds to a monthly amount of around 602.97 euros.
In 2021 you still had to pay 7,726.63 euros for one point - around 500 euros more.
One pension point currently gives a monthly pension of EUR 34.19 (East: EUR 33.47).
From July 1, thanks to the pension increase, it will even be 36.02 euros in the west and 35.52 euros in the east.
This means that if you invest the 7,235.59 euros now, you can look forward to at least 410.28 euros more pension per year in old age.
But beware: There is also a minimum and a maximum amount for the special payment.
If you want to make additional provisions, you have to pay at least 83.70 euros per month (1,004.40 euros per year).
A maximum of EUR 1,311.30 (EUR 15,735.60 per year) may be additionally paid in.
Pension: This is how much you get later for the extra payment
Stiftung Warentest
provides an overview of how much you have to pay in each year and how much the monthly old-age pension would then increase based on the current pension value
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However, whether such an additional payment is worthwhile depends on many different factors.
In any case, you can get free individual advice from the Deutsche Rentenversicherung.
Because taxes also play a major role here - a tax consultant can support you here.
