Leaving Germany? Your pension money can come home.
Every month you worked in Germany, 9.3% of your gross went into the state pension. If you leave for good, you may claim your employee contributions back — often a five-figure amount. Check your eligibility and estimate your refund in € and ₹.
🧾 Eligibility check
Under 60 months → refund possible. 60+ months → you've earned a German pension at retirement age instead.
A 24-month waiting period applies after leaving.
💶 Your contribution history
Add each year you worked with your gross salary for that year (part years: enter what you actually earned).
Estimated refund (your employee contributions)
€ 0
≈ ₹ 0 at today's rate
€ 0Total gross entered
9,3%Employee pension rate
✅ Your verdict
ℹ️ Estimate only. The refund covers your employee share (9.3% since 2018; capped at the contribution ceiling per year — this tool applies historical ceilings automatically), without interest and without the employer share. Indians qualify because the India–Germany social security agreement doesn't create a joint pension entitlement. Apply with form V0901 via Deutsche Rentenversicherung. Get your exact figures from your annual Renteninformation letters or a Versicherungsverlauf.
