German Pension Refund Calculator 2026
Did you work in Germany and have now left (or are planning to leave)? You might be entitled to a cash refund of your pension contributions worth thousands of Euros.
Eligibility Check
Find out if you qualify in 30 seconds
Did you leave money in Germany?
If you worked in Germany and left, the government might owe you tens of thousands of euros. Take our quick quiz to see if you are legally eligible for a full cash refund of your pension contributions.
How the Refund Works
In Germany, around 18.6% of your gross salary goes into the public pension scheme. You pay half (9.3%), and your employer pays the other half. If you leave Germany and the EU, you can often claim your share back in cash.
The Main Requirements:
- You must be a non-EU citizen (exceptions apply).
- You must have lived outside the EU for at least 24 consecutive months.
- You must have contributed for less than 60 months (if you are from a country with a social security agreement).
Frequently Asked Questions
O Oliverze
Założyciel expats.de, były doradca bankowy (Bankfachwirt IHK) z 12-letnim doświadczeniem i licencjonowany broker ubezpieczeniowy §34d. Od 2014 r. pomógł ponad 10 000 ekspatom. Przeczytaj całą historię →
Educational Notice & General Advice
This content is educational and reflects analysis based on our 11 years of market experience, our 200,000+ community insights, and current regulatory knowledge.
As a 34d-licensed insurance broker and experienced financial advisor, I provide this guidance in good faith. However, for personalized advice especially regarding insurance, mortgages, or tax-specific decisions—please consult with a qualified financial advisor or tax professional in your specific situation. Past expat experiences and historical market data do not guarantee identical results for your unique circumstances.