Riester & Rürup – Tax Benefits for Retirement Savings 2025
Riester Pension – For Employees
Government allowances: €175 per year + €185 per child (€300 for children born after 2008)
Tax benefits: Up to €2,100 contributions deductible
Who benefits from Riester?
✅ Families with children
✅ Low earners
❌ Self-employed
Rürup Pension – For Self-Employed
High tax savings: Up to €27,566 deductible (2025)
Who benefits from Rürup?
✅ Self-employed and freelancers
✅ High earners (marginal rate above 35%)
Comparison
| Criterion | Riester | Rürup |
|---|---|---|
| Target Group | Employees | Self-employed |
| Max. Tax Deduction | €2,100 | €27,566 |
| Allowances | Yes | No |
Calculate now: To Tax Calculator