How to Use the Calculator
​STEP 1: Enter the number of months worked in Germany.
STEP 2: Select your monthly gross salary. Your refund estimate is shown.
STEP 3: Claim your refund.
Aminur Rahman
NOV/21/2024
Exceeding my expectations
I had a great experience using their services. Efficient and professional, they were there every step of the way. Special thanks to Julia Kim for her outstanding support.
Good work, team! Wishing you continued success. Thank you so much!
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Ryan Westley
AUG/12/2024
Highly recommend
Julia and team were instrumental in helping recover my Rentenversicherung payments. Highly recommend!
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How to Manually Calculate My Pension Refund
To manually calculate the amount of money you will get back if you claim a refund (eligibility given), you need to consider the contributions you made to statutory pension insurance. Use this formula:
Your gross salary for every year you worked in Germany (up to the cap) times the percentage in the corresponding year equals the paid pension contributions to the German pension system.
Add the sums together and you have your German pension refund amount.
But before you start looking up caps and percentages, simply use the free calculator that we've built just for you :).
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Important Note:
The calculator does not serve as a guarantee to get a refund nor does it prove your eligibility. It is designed to help you calculate how much money you have contributed over the years.
If you are eligible for a refund, we can help you get your money back.
Are You Eligible for a German Pension Refund?
Eligibility for a German pension refund depends on a few things, like your nationality, where you live now, how long you worked in Germany, and how long it's been since you last worked there. Let's look at these requirements in more detail:
Nationality
Whether you can get a pension refund or not depends a lot on your nationality. Non-EU citizens can usually get a refund of their pension contributions. For non-EU citizens with nationalities of contracting states such as USA, India, Australia, Canada, Brazil, Albania, Ex-Yugoslaw States, Israel, Japan, Moldova, North Macedonia, The Philippines, South Korea, and Uruguay additional rules apply. EU citizens usually stay in the German pension system. They have to wait until reaching the German age of retirement to either claim an interstate pension (if 60 monthly contributions have been made within the EU) or claim a pension refund.
OCT/14/2023
Really satisfied with their work
Wonderful, they solved my request within a couple of months. I am really satisfied with their work.
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Tegan Reeves
OCT/10/2023
Made navigating German bureaucracy a breeze
Johannes was responsive and helpful throughout the entire process, and made navigating German bureaucracy a breeze!
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OCT/09/2023
Seamless process...Fair rates
Absolutely seamless process. Fair rates and great communications. Highly recommended.
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Ashish Gandhi
OCT/08/2023
Seamless and efficient...Don't think twice and go with them
The experience with Johannes was seamless and efficient. I got my refund really quickly and without any hassles whatsoever. Highly recommend German pension fund team. Don’t think twice and go with them.
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Country of Residence
Your country of residence can affect your pension insurance refund eligibility. As long as you live in the European Union or the United Kingdom, you cannot claim a pension refund, at least not before reaching the German retirement age. Only, if you live outside of the EU or UK, you are able to claim your contributions back.
Duration of Work in Germany
The time you worked in Germany, which is reflected in your insurance record, is important in the pension refund process. Depending on your nationality, you might not be able to claim a refund if you have worked in Germany for 5 years or longer. Affected are citizens from USA, India, Australia, Canada, Brazil, Albania, Moldova, North Macedonia, The Philippines, South Korea, and Uruguay. Japanese citizens can only claim a refund of contribution periods exceeding 5 years, if they live outside of Japan.
Time Passed Since Last Contribution in Germany
To apply for a pension refund in Germany, you must wait at least 24 months starting from the last month of pension contribution to the German pension system. This is either the last month of employment, receipt of unemployment benefits, or parenting. Please note that the date of deregistration is not relevant here. The waiting period confirms that you have stopped paying contributions to the German pension insurance system and have left the German labor market for good.
Get a pension refund online to save time and avoid any potential complications.