{"id":22951,"date":"2023-03-05T10:17:41","date_gmt":"2023-03-05T09:17:41","guid":{"rendered":"https:\/\/fiala.de\/pension-taxation\/"},"modified":"2023-04-02T23:07:05","modified_gmt":"2023-04-02T21:07:05","slug":"pension-taxation","status":"publish","type":"post","link":"https:\/\/www.fiala.de\/en\/pension-taxation\/","title":{"rendered":"Pension taxation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22951\" class=\"elementor elementor-22951 elementor-22589\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3486a44d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3486a44d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f3a6154\" data-id=\"5f3a6154\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-760dc2e8 elementor-widget elementor-widget-heading\" data-id=\"760dc2e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A life for the treasury<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-75f8b1ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75f8b1ae\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41b89459\" data-id=\"41b89459\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27a80100 elementor-widget elementor-widget-text-editor\" data-id=\"27a80100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s finally here, the <strong>well-deserved pension<\/strong>, the much longed-for retirement, the end of all obligations, finally <strong>never having to pay taxes again<\/strong>. Well, not quite. The <strong>taxation of earned income<\/strong> is naturally followed by the taxation <strong>of pensions<\/strong>, or as Father State calls it, the <strong>taxation of retirement income<\/strong>. For many Germans, for whom there is nothing better than finally <strong>retiring<\/strong> and leaving their working lives behind, this is often a <strong>sobering realization<\/strong>. It is a widespread <strong>Misconception<\/strong> that there would be a <strong>tax-free<\/strong> <strong>pension<\/strong> paid out as soon as one reaches the age of 65 <strong>(soon to be 67) in<\/strong> Germany, the so-called <strong>statutory retirement age<\/strong>. <strong>This is not the case!<\/strong> For all pensioners and retirees applies that also on their <strong>statutory pension payments<\/strong> and payments from There is<b>no tax<\/b> on <strong>private pensions or company <\/strong> pensions. Payments from <strong>statutory pension funds<\/strong> and <strong>pensions<\/strong> are taxed progressively in line with income tax, while income from <strong>private pension plans<\/strong> is taxed as before at the so-called income share. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-678be59e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"678be59e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4fbee109\" data-id=\"4fbee109\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35288a60 elementor-widget elementor-widget-heading\" data-id=\"35288a60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font face=\"Roboto, sans-serif\">Pension taxation: what you need to know<\/font><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e2b74e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2b74e9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66517ce\" data-id=\"66517ce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e88bb4 elementor-widget elementor-widget-text-editor\" data-id=\"1e88bb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It is important to know for all pensioners that any income <strong>is taxable<\/strong> even after working life. Pension benefits are treated as income accordingly and, contrary to common belief, do not enjoy <strong>a special status.<\/strong> The only exceptions to this rule are benefits from <strong>long-term care insurance<\/strong>, <strong>basic security in old age<\/strong>, pensions <strong>from accident insurance<\/strong> <strong>, war and severely disabled persons&#8217;<\/strong> pensions, and <strong>reparation pensions<\/strong>. <strong>These continue to be tax-exempt.<\/strong><\/p>\n<p>The real confusion on the subject of <b>pension taxation<\/b> was caused by the change in the <b>taxation date<\/b> in the noughties. Whereas pensions were <b>taxed up to this point on a front-loaded<\/b> basis, since 2005 pensions have only been taxed on a <b>back-loaded<\/b> basis at the start of the pension. <\/p>\n<p>At this point we would like to state that the topic of taxes is also of <b>great importance<\/b> for pensioners. So find out early on what you can expect and, if necessary, what you need to do. what measures you can take today to save <b>taxes in the long term<\/b>. We look forward to hearing from you. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18e2d3f7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18e2d3f7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-33c5eb85\" data-id=\"33c5eb85\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37eb6de6 elementor-widget elementor-widget-heading\" data-id=\"37eb6de6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Help with pension taxation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1cb410e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1cb410e0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-492acc4\" data-id=\"492acc4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a893ebb elementor-widget elementor-widget-text-editor\" data-id=\"7a893ebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li class=\"\">Tax law advice and tax representation in Germany<\/li>\n<li class=\"\">Advice on the subject of assets in Germany and the EU<\/li>\n<li class=\"\">Advice on tax optimization <\/li>\n<li class=\"\">Accounting and asset management<\/li>\n<li class=\"\">Advice on tax returns through our the network<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-146e6315 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"146e6315\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e2eed15\" data-id=\"1e2eed15\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69a86025 elementor-widget elementor-widget-heading\" data-id=\"69a86025\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pension taxation: Helpful articles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1089db5f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1089db5f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53f8ed3b\" data-id=\"53f8ed3b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40d53f95 elementor-widget elementor-widget-text-editor\" data-id=\"40d53f95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.fiala.deen\/customers-can-terminate-rueruprenten-and-basic-pensions-at-any-time\/\" target=\"_blank\" rel=\"noopener nofollow\" class=\"external\">Customers can terminate R\u00fcruprenten and basic pensions at any time<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.deen\/in-the-future-not-even-the-contributions-of-the-direct-insurance-are-guaranteed-at-the-beginning-of-the-pension\/\" target=\"_blank\" rel=\"noopener nofollow\" class=\"external\">In the future, not even the contributions of the direct insurance are guaranteed at the beginning of the pension.<\/a><\/li>\n<li><a href=\"https:\/\/www.fiala.deen\/pension-insurance-contributions-as-anticipated-income-related-expenses\/\" target=\"_blank\" rel=\"noopener nofollow\" class=\"external\">Pension insurance contributions as anticipated income-related expenses<\/a><\/li>\n<li class=\"\"><a class=\" external\"https:\/\/www.fiala.deen\/errors-in-advice-on-the-tax-savings-model-for-the-ruerup-pension\/\" rel=\"nofollow\">Errors in advice on the tax savings model for the R\u00fcrup pension<\/a><\/li>\n<li class=\"\"><a class=\" external\"https:\/\/www.fiala.defaellt-die-rente-auf-grundsicherungs-niveau\/\" target=\"_blank\" rel=\"noopener nofollow\">Will the pension fall to basic security level?<\/a><\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A life for the treasury It&#8217;s finally here, the well-deserved pension, the much longed-for retirement, the end of all obligations, finally never having to pay taxes again. Well, not quite. The taxation of earned income is naturally followed by the taxation of pensions, or as Father State calls it, the taxation of retirement income. For [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":22952,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","rank_math_focus_keyword":"Pension taxation","rank_math_description":"Pension taxation is not a fiction, but the harsh reality of the German tax system. Double taxation, subsistence level and the treasury.","rank_math_title":"Pension taxation"},"categories":[481],"tags":[504,531],"class_list":["post-22951","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-topic","tag-pension","tag-steuer-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/posts\/22951","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/comments?post=22951"}],"version-history":[{"count":0,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/posts\/22951\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/media\/22952"}],"wp:attachment":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/media?parent=22951"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/categories?post=22951"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/tags?post=22951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}