If you want to increase your future pension, you should implement the project soon. Extra payments as voluntary pension contributions are possible until March 31, 2022.
Frankfurt – Voluntary pension contributions have various advantages and are worthwhile for many people. If you want to retire earlier, you have to reckon with a smaller pension – unless you make voluntary payments into the pension insurance beforehand. The self-employed can also acquire an entitlement to a statutory pension in old age through voluntary contributions. A recent study shows that the concerns about pensions differ greatly in different age and population groups.
Until the end of March 2022, voluntary contributions to the statutory pension insurance for the year 2021 can be paid retrospectively in order to improve old-age provision. This is reported by the German pension insurance. Consumers can increase their future pension with voluntary contributions to the pension fund. According to experts, this step is currently particularly worthwhile.
Voluntary pension contributions: Extra pension is currently cheaper
In the case of a subsequent pension payment for the year 2021, the monthly contribution amount can be chosen between the minimum contribution of 83.70 euros and the maximum contribution of 1320.60 euros. It will be worth it in 2022, because according to experts, the extra pension is currently a little cheaper. The reason for this is the so-called average wage, which has increased in recent years – but not in 2022 due to the corona pandemic.
Video: Is it worth paying pension contributions voluntarily?
According to the German pension insurance, 41,541 euros are currently the average annual salary. The so-called pension points are calculated on the basis of this average. So if you earn exactly 41,541 euros a year, you will receive 1.0 pension points at the end of the year.
Pension: Average salary has fallen due to Corona
According to experts, interested parties will have to pay 7,235.59 euros to the pension fund in 2022 for an additional pension point. Last year it was 7,726.63 euros. Those paying in currently receive around 34 euros more pension per month in old age. Due to the lower average wage, a pension point will cost almost 500 euros less in 2022.
The calculation of the pension is a mystery to many. But with a simple formula you can calculate how much money you will receive later. (Helena Gries)
