Rürup Pension Calculator.
Calculate your tax advantage with the Rürup/basic pension. Ideal for self-employed and high earners.
**Advantage:** 100% of contributions are tax-deductible (up to the maximum). Especially attractive for self-employed with high tax burden.
Who Benefits from the Rürup Pension in 2026?
The Rürup pension (also called basic pension) is a tax-advantaged form of private retirement provision. It is particularly attractive for self-employed individuals who have no access to the statutory pension system.
Self-Employed
Self-employed persons without statutory pension insurance benefit the most from Rürup. Contributions are 100% tax-deductible and build a guaranteed retirement income.
High Earners
Even employed high earners benefit: In 2026, up to ca. 28.500 € (single) or double for married couples can be claimed as special expenses. The higher your tax rate, the greater the tax advantage.
Rürup vs. Riester: What's the Difference?
Unlike Riester, the Rürup pension has no state allowances but offers higher tax deduction limits. Rürup is also available to self-employed persons, while Riester is primarily for employees. Rürup pensions cannot be inherited or capitalized - they always pay out as a lifelong pension.
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Sources & References (2026)
All calculations are based on the official legal provisions for 2026. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.