Tables for pension from 63: Which year can retire and when

“At the age of 66, life catches,” says the Udo-Jürgens hit. However, some would like to start with the pension earlier. The so -called flexi duck makes it possible to retire at the age of 63. Requirements: Until then, they have 35 pension years together. And are ready to cope with less pension.

In the past, the rule for retirement was simple: everyone was able to retire regularly at the age of 65 and without discounts. But since 2012 the normal retirement age has been increased year after year: Anyone who wanted to retire regularly in 2024 had to be 66 years old. In 2025 it is already 66 years and 2 months, as the following table shows.

From year 1964, everyone must be 67 years old if they want to retire regularly. And it is not unlikely that politics will continue to put up with the age for future pensioner generations.

However, there is an important exception to the age limit: if you already have 45 pension insurance years together, you can retire in the past (see the following table).

Important: 45 pension years does not mean that you must have worked for 45 years. Also for child rearing, non-employment care as well as military and community duty. The pension insurance speaks of the “old -age pension for particularly long -standed “.

The following applies to everyone: Anyone who has 35 pension insurance years together can retire prematurely from 63 years. But with discounts. The pension insurance speaks of “retirement pension for long -standing insured persons”. Here, too, it is not really 35 years of gainful employment subject to pension insurance. Here, too, other times are added and even more generous than the 45 years above.

In addition to times for child rearing, non-employment care and military service obligation, a divorce are taken into account- or crime times for pregnancy, unemployment or study.

If you want to know, when you can retire, look best at your pension information. All legally insured are sent to them automatically from the age of 55. In the sections “H” and “I” it is precisely described when you can retire without any discounts. And how high the discounts are when you retire prematurely.

Here is a quick overview: If you have 35 pension insurance years together up to the age of 63, but still less than 45 pension years, you have to retire per month earlier, each 0.3 percentage points. As the following table shows.

These discounts apply not only during the time that you retire earlier, but forever. If you would get a regular pension of 2000 euros, you have to expect up to 288 euros discount. Below an overview.

So it shows: If you want to retire earlier and do not have 45 pension insurance years together, you have to expect a sensitive loss. The flexi duck allows to continue working despite the start of the pension – for example part -time. So you can say goodbye to working life step by step. Then there is no longer any obligation to pay in the pension insurance. If you do it anyway, you can pension the loss. More on this on the pension insurance website.

Another variant is to voluntarily pay more into the pension fund in advance. That works from the age of 50. Upon request, the German pension insurance calculates how much that should be to completely compensate for the loss. To do this, you have to fill out the form V0210 that. The effort is manageable, the form is sent finished within 20 minutes.

If you want to compensate for the full loss, you have to expect five -digit amounts. After all, voluntary deposits can be put into the pension fund for tax purposes, up to a maximum of 29,000 euros. However, it should be borne in mind that you are already paying into pension insurance. One thing is clear: without tax advantages, it is definitely not worth paying off voluntary contributions. Then it would be cheaper to invest the money for old age.

The application is without risk: pension insurance calculates what you would have to deposit in order to compensate for everything. But if you do not pay anything or just a little, that’s okay. Alternatively, the German pension insurance also offers one.