Send employees into retirement worry-free thanks to a smart pension plan.
A company pension scheme provides your employees with extra financial security in retirement – beyond the state pension. Whether via salary conversion or employer contributions, a well-structured pension scheme boosts retention and shows your commitment to your team’s long-term future (plus tax advantages!).
Up to € 7,728 per year / employee tax-free
An attractive occupational pension plan makes you more attractive as an employer, increases employee loyalty and can even reduce staff turnover. You also benefit from tax advantages and savings on social security contributions.
According to Section 3 No. 63 EStG, contributions to company pension plans are tax-free up to € 7,728 per year (2025). Contributions of up to € 3,864 per year are exempt from social security contributions (2025). Employees also have a statutory entitlement to deferred compensation in accordance with Section 1a BetrAVG. This allows them to convert part of their salary into a company pension plan, while the company pays at least a 15% subsidy, provided that social security contributions are saved.
Company pension plans can be implemented via various channels, including direct insurance, pension funds, provident funds or a pension commitment (direct commitment).