# Expert Advice on Your German Company Pension (bAV) | Stay

Free money from your employer. Most internationals leave it sitting there.

A company pension (Betriebliche Altersvorsorge — bAV) lets your employer co-finance your retirement, tax-free. We check whether yours is using it, and set it up if not.

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Key features of company pension plans - bAV

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Tax and social security savings

Contributions are usually taken directly from your salary before taxes, so you save on tax and social security while building your pension.

Employer support

Your employer helps grow your pension by contributing alongside you. The exact amount depends on the company and your employment contract. Your employer is obliged to contribute at least his social security savings.

Long-term retirement security

The money you save is paid out when you retire, helping you top up your public (state) pension and feel more secure later on.

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## Why choose a company pension plan in Germany?

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### Secure a more comfortable retirement

Relying on the state pension alone can leave gaps. A company pension plan supplements the state pension, helping ensure you maintain your standard of living in retirement and providing long-term financial stability.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-12%20a%20las%2012.03.53.png)

### Employer contributions and tax advantages

When you join a company pension plan, your employer often puts money into it for you too. Plus, the money you contribute comes out of your salary before taxes, so you pay less tax and social security now while building your retirement savings.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-12%20a%20las%2012.07.15.png)

### Flexible options to suit your career and lifestyle

Many plans allow you to adjust contributions, choose investment strategies, or combine with other retirement savings, making it adaptable to your personal and professional situation.

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

Get your pension today

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## Quick answers to questions you may have

### What is a company pension (bAV) in Germany?

### How do company pensions work in Germany?

### Is it worth paying into a company pension?

### How much pension will I get after retirement?

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

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