Tables for pension from 63: When can which year can retire?

“At the age of 66, life begins,” 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 significantly 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.

Those who retire earlier get less paid. There are two reasons:
First, you pay less long into the pension fund. As a result, you collect fewer payment points (also called pension points). The old -age pension is less than the forecast regular age pension in the pension information.
Second, you have to count on discounts. The German Pension Insurance (DRV) takes this because you retire earlier, i.e. a pension for a long time.

However, there is an important exception: if you already have 45 pension insurance years together, you can retire in the past (see the following table). Not yet at 63, but much earlier.

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 “.

But as I said: the pension is still a little lower because you have paid less into pension insurance if you retire earlier.

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 DRV speaks of “old -age 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 not yet 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. Anyone who has generated a regular pension of 2000 euros up to the age of 63 must expect 288 euros discount. In addition, there is a loss of earnings points because you can pay for up to four years shorter to pension insurance.

In addition, a small model calculation: We assume that our sample pensioner, born in 1964, has earned his life about the same (in relation to the average wage of the Germans) and has a total of 40 pension years together until his pension. In this way, inflation can be left out. Every year that he previously retired, he lacks a fortyth or 2.5 percent of earnings points from the paid pension contributions. At 2000 euros in control pension (with 67) this leads to the following losses:

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 2.5 percent losses per year earlier retire are a good rule of thumb. If you have a pension information, you can also calculate the values ​​personally. That is quite easy.

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 discounts. 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.