Renten atlas 2025: born 1963 - this is how you secure your pension!
Renten atlas 2025: born 1963 - this is how you secure your pension!
Bad Kissingen, Deutschland - Today, on June 11, 2025, many people in Bavaria face the question of when they can finally retire well -deserved. After all, retirement is an individual matter that depends on the year of birth and the insurance times acquired. There are interesting regulations, especially for the 1963 vintage.
like mainpost.de, the year 1963 is the last one that can be recovered under certain conditions before the age of 67. For insured persons who have paid for at least 35 years into statutory pension insurance, there is the possibility to retire earlier. This includes not only employment relationships, but also independence, sickness benefit, child-rearing and care times.
the different types of pension
In general, a distinction is made between two types of old -age pensions: the old -age pension for long -term insured persons who can show at least 35 years of insurance, and the old -age pension for particularly long -standing insured persons who must have 45 years of contribution times. The latter is set in deutsche--rentenversicherung.de and has some important regulations. While the vintages from 1949 to 1963 can retire before the age of 67, years from 1964 to the age of 67.For long -term insured persons, there is also the option of retiring from the age of 63, but with monthly discounts of 0.3 percent for each month that you claim your pension before the start of the pension. Anyone who has paid for 45 years can also retire earlier, but without discounts. This is a great incentive for many employees who look forward to pension after a long working life.
What counts for the pension calculation?
With regard to the pension calculation, it is clear: For the 35 years, every month in statutory pension insurance counts - be it through employment, independence or time for raising children. In the 45 years, such compulsory contributions coincide, but there are exceptions that are not counted, such as times with civil allowance or unemployment benefit. More on this can be found in the detailed guide on [smart-rechner.de] (https://www.smart-rechner.de/renten beginn/renten- beginnings_tabelle.php).
An example illustrates this well: Marlene, born on February 12, 1963, could retire on March 1, 2026 at the earliest if she has 35 years of contributions. In the case of 45 years, the start of pension would be possible on January 1, 2028. It is important to note that the pension must be requested and the pension insurance number should be kept ready.
Unfortunately, pensioners, similar to employees, also have to submit a tax return - taxes and levies on the pension should not be underestimated. The retirement pension, which initiates a new phase of life for many, can give a lot of joy if the financial regulations are clear in advance.
A good tip for everyone who would like to retire soon: If you are planning in good time and submit your application for a pension about three months before the desired pension, you have good cards for a smooth transition to the new phase of life.
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| Ort | Bad Kissingen, Deutschland |
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