# Expert Advice on Basis Pensions & Tax-Efficient Savings | Stay

Basis pension Planning

Plan ahead with a retirement solution designed for freelancers, self-employed professionals and high earners, offering tax advantages and long-term stability.

Book consultation ![](https://stayinsured.de/hs-fs/hubfs/Basis%20Pension%20Thumb.webp?width=2344&height=1912&name=Basis%20Pension%20Thumb.webp)

Key features of the Basis pension (Rürup Rente)

Previous slide

Strong tax advantages

Your contributions are 100% tax-deductible, which lowers how much tax you pay each year.

Designed for self-employed and high earners

The basis pension (or Rürup Rente) is ideal if you don't have access to a company pension plan or want to save more for retirement. It is the only pension scheme in Germany that offers freelancers and self-employed an upfront tax benefit.

Lifetime financial stability

Your savings turn into a monthly pension you receive for life, so you can enjoy retirement without worrying about running out of money.

Next slide

## Why choose a Basis pension (Rürup Rente) plan in Germany?

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-12%20a%20las%2012.17.25.png)

### Pay less tax on your income

Your contributions are tax-deductible, which means you reduce your taxable income now while building a pension for the future. The higher your marginal tax-rate, the more you profit from the tax-savings.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-12%20a%20las%2012.14.08.png)

### Guaranteed income for life

The Rürup Rente gives you a steady monthly payment when you retire, so you don't have to worry about running out of money and can maintain your standard of life.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-12%20a%20las%2012.15.53.png)

### Your safety net as a freelancer

Freelancers don't have access to a company pension plan and are not obliged to contribute to the state pension, so the Rürup Rente allows you to build your own reliable retirement savings, similar to what employees receive through either a company plan or the German state pension system.

![](https://stayinsured.de/hs-fs/hubfs/Insurance%20Banner%20Thumb.webp?width=4096&height=2730&name=Insurance%20Banner%20Thumb.webp)

### Great advantages, but lots of details. We’ll guide you through what really matters.

Get your pension today

[5.0](https://www.provenexpert.com/de-de/stay-formerly-mw-expat/)

## What people say about us

An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

D Darren S. Navigating German health insurance

I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

S Sonya Freelancer

I have receive a very personalized attention since the beginning with a very high professionalism.

J J. Starting work in Germany

All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios.

A Anonym International specialist

Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

V Vahid B. Newcomer to Germany

Previous slide

Next slide

## Quick answers to questions you may have

### What is the Basis pension (Rürup-Rente) in Germany?

### How flexible are contributions to a Basis pension?

### Who is eligible for a Basis pension?

### Can I get my pension if I leave Germany?

### I'm a freelancer. What are my options?

### Why is the Basis pension such a secure way of saving?

# Clear guidance, tailored to your needs — just the best options for you.

Book consultation