Rürup pension 2017/2018: Even more tax benefits for old-age provision

Rürup pension 2017/2018: Even more tax benefits for old-age provision

Friday, 15.12.17 , written by Christian Hafler The Rürup pension will be even more attractive for savers in 2017 and 2018 due to increased tax benefits. In particular, self-employed and good earners benefit from a higher maximum amount, which they can claim for tax purposes. But also the proportion of contributions to the Rürup pension, which can be credited to the tax office in 2017 and 2018, is increased. > Rürup-Rente: 2017 steigen Steuervorteile weiter an Rürup pension: Tax benefits rise to new highs

Persons who make provision for their age with a Rürup pension can claim even more tax benefits from the tax office in 2017, 2018 and in the coming years. For years, the percentage by which the saver pays the contributions for their private pension with the tax return already increases. In 2016, the share was 82 percent. 2017 is a tax deductible part of 84 percent . From 2025, insured persons can even deduct their contributions up to the maximum amount completely as special expenses from the tax.

Service: Reduce your tax burden permanently with the Rürup pension. You can find out which tariffs you can expect with a non-binding offer for the Rürup pension.

The maximum amount of Rürup pension increases in 2017/2018

In addition to the deductible portion of the Rürup pension increases the maximum creditable amount. By 2014, this was set for single people at 20,000 euros per year. Since 2015, he has been linked to the miners’ pension insurance . As their income threshold has increased, insured persons can declare contributions of up to € 23,362 in the tax return in 2017. Married couples even have the opportunity to register Rürup contributions of up to 46,724 euros at the tax office.

Taking into account the increased percentage of 84 percent, the tax office expects a maximum of € 19,624 for single persons in 2017 and € 39,248 for married couples as special expenditure deduction. By comparison, in 2016 it was still 18,668 euros, the year before 17,738 euros. The tax advantage therefore grows steadily.

In 2018, the tax benefits will improve again . On the one hand, the tax-deductible portion of paid-in contributions rises to 86 percent . On the other hand, Rürup savers can pay in total a higher amount. In 2018, the maximum contribution is 23,712 euros. Of these, the tax office takes into account 20,392 euros (for married couples 40,784 euros). Basis for the calculation is the contribution assessment limit of the miners pension insurance west of 96,000 euros per year and their contribution rate of 24.7 percent.

Tip: With a Rürup pension, you can build a reassuring financial cushion for your retirement. But too high costs of the insurer can reduce your pension. Anyone interested in this form of retirement should therefore compare several offers in advance.

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Rürup pension 2017/2018: For whom is the basic pension worthwhile?

The Rürup pension pays off as a pension due to the tax advantages, especially for people with a high tax burden – ie self-employed, freelancers, high-income workers and civil servants . Those who earn a lot can not seldom exhaust the full maximum amount of the Rürup pension and thus secure the best possible tax advantage. But even smaller contributions make themselves felt in the tax return.

On the other hand, lower and middle-income workers should check whether another form of pension is suitable for them . If there are many children, for example, the Riester pension is an interesting alternative. With it insured in addition to the basic supplement in addition child allowances. In addition, tax benefits are also possible here. However, they are much lower than in the Rürup pension.

Here you will find tips and further information on old-age provision. >

Christian Hafler

editorial staff

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