Pension reform 2025: How to secure the maximum pension height!

Pension reform 2025: How to secure the maximum pension height!

In Germany, the statutory pension is a central element of old -age provision and is based on the principle of contribution equivalence. A key feature of this system is the contribution ceiling (BBG), which stipulates the income to which income must be paid for pension insurance. For the year 2025, the BBG is uniformly 8,050 euros per month, which corresponds to 96,600 euros annually, as

The statutory pension insurance offers basic protection in old age. It is designed so that higher income leads to higher pensions. The pension amount is calculated taking into account pension points. A pension point is obtained if the annual income corresponds to the average wage of all insured persons. For 2025, this average fee is 50,493 euros. A maximum of 1.91 pension points can be purchased up to the BBG.

From January 1, 2025, a nationwide contribution ceiling for the general and the scarcity pension insurance, which is even 118,800 euros per year or 9,900 euros per month for the scarcity of the minor pension insurance. This is an important detail that affects mining employees in particular, since these fall under a special pension system, such as rvrecht.deutsche--------Rentenversicherung.de supplemented.

contribution development and retirement provision

The contribution assessment limits are adapted annually and is linked to the development of gross wages and salaries in Germany. The basis for this is the average gross content of all legally pension insured employees of the previous year. The maximum tax deductible maximum amount for pension expenses is multiplied by the contribution ceiling by the contribution rate. This results in an amount of 29,344 euros for 2025, which is considered to be maximally deductible.

Overall, these regulations reflect the growing complexity of the pension system, which should not only offer basic security, but also creates incentives for private retirement provision. The contribution rate for the miners' pension insurance is currently 24.7 %, with 9.3 % being borne by the employee and 15.4 % by the employer.

The average pension in Germany varies greatly between men and women. At the moment, it is around 1,348 euros for men and 908 euros for women, which underlines the need to deal with various aspects of old -age provision and, if necessary, to consider additional private pension models. Information about the development of the statutory pension insurance and the relevance of the BBG beyond the legal requirements therefore offer an illuminating insight into the future of retirement provision in Germany, just as the Wealth Center underlines.