Your German pension contributions, back in your account.
Left Germany for good? Here is what a refund usually looks like, who can claim and what you need.
What you can get back, and what it takes.
The refund is your own share of the contributions: 9.3% of your gross salary for every month you worked. It adds up faster than most people expect.
What it often looks like
Approximate refunds, based on the employee share of 9.3%.
| Work in Germany | Gross per month | Approx. refund |
|---|---|---|
| Working student, 2 years | €1,500 | €3,350 |
| First job, 2 years | €3,500 | €7,800 |
| Engineer, 3 years | €4,500 | €15,050 |
| Senior role, 4 years | €5,500 | €24,550 |
Examples for illustration. Salary changes, gaps and the yearly contribution ceiling change the real amount.
Quick estimate
Enter your average salary and how long you worked.
A first indication only. We check the exact figure from your insurance record.
Get my exact figureWho can usually claim
- Citizens of countries outside the EU
- Who worked and paid contributions in Germany
- Who have left Germany for good
- And waited 24 months since the last contribution
Your nationality and work history decide the final answer. We check this first.
What you'll need
- Passport copy
- Proof that you have left Germany
- Your German pension insurance number
- Bank details (an Indian account works)
- Your work periods in Germany
Missing something, like your insurance number? We help you find it.
How long it takes
- Leave GermanyDeregister and stop contributing.
- Wait 24 monthsWe can prepare everything during this time.
- ApplyProcessing usually takes a few months.
- Paid to your accountAs one lump sum.
Common reasons refunds get delayed or rejected
Applying before the waiting period ends · missing proof of leaving · incomplete work history · the wrong form for your situation. A small error can add months.