What happens if I miss the deadline?

Fehlende Zeiten können die Rente mindern!

Applying for pension Frankfurt 2026 – Deadlines, costs & advice

Step 1⏱ 5–10 Min

Get pension information

Get current pension information from the German Pension Insurance. This shows your expected pension.

⚠️Missing periods can reduce your pension!

⏰ Possible anytime💰 0 €

📄 Required Documents

Social security number(Required)

ID card(Required)

Valid ID – for identity verification when applying

💡 Weitere Tipps

Online at drv.de with eService
DRV advice center Frankfurt: Städelstraße 28
Phone 0800 1000 4800 (free)
Account clarification recommended every 5 years

DRV Online↗🛡️ Compare private pension ↗

Step 2⏱ 5–10 Min

Clarify pension account

🚨

Frist: Before pension application · Missing periods = less pension!

Check if all insurance periods are correctly recorded: training, studies, child-rearing, unemployment.

📄 Required Documents

Training certificates(Optional)

Study certificates(Optional)

Children's birth certificates(Optional)

Unemployment certificates(Optional)

💡 Weitere Tipps

School certificates from age 17
Study periods count as creditable time
Child-rearing periods: 3 years per child
Collect all documents!

Start account clarification↗

Step 3⏱ 5–10 Min

Submit pension application

🚨

Frist: 3 months before pension start · Late application = late payment!

The pension application should be submitted 3 months before the desired pension start.

📄 Required Documents

ID card(Required)

Valid ID – for identity verification when applying

Social security number(Required)

Bank details (IBAN)(Required)

IBAN of your current account – for monthly pension payment

Tax ID(Required)

11-digit number – on tax notice or available from BZSt

💡 Weitere Tipps

Online at drv.de possible
DRV Frankfurt advises for free
Regular retirement age: 67
Earliest pension at 63 (deductions!)

Submit pension application↗🛡️ Compare private pension ↗

Step 4⏱ 2–5 Min

🛡️ Check private pension provision

State pension alone is not enough for most people. Now is the right time to check private pension provision – before you retire. A free comparison shows you the best options.

💡 Weitere Tipps

💡 Pension gap: average state pension is only ~50% of last net salary
📊 Riester, Rürup, company pension – free comparison shows what suits you
⏱️ Comparison takes 2 minutes · free · non-binding
🔒 No salesperson – objective tariff comparison only

👉 Private Rente kostenlos vergleichen *

⏱ 2 Minuten💰 Kostenlos🔒 Unverbindlich

Step 5⏱ 2–5 Min

🏦 Rürup pension for self-employed & high earners

The Rürup pension (basic pension) is particularly interesting for the self-employed and high earners. Contributions of up to €27,566 (2024) are tax-deductible – making it the most efficient retirement provision for high incomes.

⚠️Rürup contributions cannot be cancelled or inherited – but are protected from garnishment and 100% state-subsidised.

💡 Weitere Tipps

💰 Tax savings of up to 45% possible
📊 Ideal combined with fund pension (ETF-Rürup)
🔐 Hartz-IV-proof and garnishment-proof
📅 Pay in current year → tax-effective immediately

👉 Compare Rürup pension free*

⏱ 2 Minuten💰 Kostenlos🔒 Unverbindlich

Apply for Pension in Frankfurt

Get pension information

📄 Required Documents

Clarify pension account

📄 Required Documents

Submit pension application

📄 Required Documents

🛡️ Check private pension provision

🏦 Rürup pension for self-employed & high earners

❓ Frequently Asked Questions

📋What you should do next: