How is the refund amount calculated?

The refund equals the employee share of 9.3 % of your gross monthly salary, multiplied by your contribution months. Earnings above the contribution-assessment ceiling (EUR 7,550/month in 2025) are not included.

When can I apply for the refund?

At the earliest 24 months after your last contribution to the Deutsche Rentenversicherung. There is no upper deadline — the claim does not expire, but the real value erodes with inflation.

Who is eligible for a refund?

Citizens of non-EU/EEA/Swiss/UK countries have the strongest claim. EU citizens can only claim once they reach retirement age with fewer than 60 contribution months. German citizens generally cannot claim a refund.

German Pension Refund Calculator

A realistic 30-second estimate of what the Deutsche Rentenversicherung owes you on departure. Based on the 9.3 % employee share, the 2025 contribution-assessment ceiling and 40,000+ real cases since 2014. No sign-up, no email required.

High probability

Estimated refund

€11,720

Best chances — full refund available

As a citizen of a non-treaty country you have the strongest claim. Refund regardless of contribution length and retirement age — as soon as the waiting period is met.

Estimate based on the 9.3 % employee share and the 2025 contribution-assessment ceiling. The actual decision may differ.

Start your application with Fundsback Read the full pension-refund guide

40,000+ deregistrations

Successfully completed.

Since 2014

11 years of experience.

4.9/5 rating

300+ verified reviews.

99-day guarantee

Full refund if we fail.

What is the refund?

On departure from Germany, non-EU citizens can reclaim their employee share (9.3 % of gross salary) from the statutory pension system. The Deutsche Rentenversicherung pays this lump sum after a mandatory 24-month waiting period.

Full guide

How accurate is the estimate?

Within ±5 % of the official Rentenversicherung decision in most cases. Variations come from year-specific contribution ceilings, the difference between East and West rates (until 2024), and credited months from sick leave or parental allowance.