Every contribution month builds your pension entitlement
Voluntary contributions add pension points and months to your record, directly increasing your future pension amount or helping you reach eligibility thresholds.
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FAQ
How do voluntary contributions affect my future pension?
Each voluntary contribution month earns pension points (Entgeltpunkte) based on the amount you pay relative to the average income. These points directly determine your monthly pension. Contributing at the minimum rate for 12 months adds roughly 5-6 EUR to your monthly pension. Contributing at the maximum rate can add over 70 EUR per year of contributions. Over many years, this adds up significantly. Voluntary months also count towards the 60-month minimum needed for any regular pension entitlement.
Next step
Start with the clearest next step for your case.
Use the pension-check entry for refund-led cases or contact Fundsback when you need a more guided service path.
