Company Pension in Germany—Save Smarter
Tax-free savings, employer top-ups, and ETF growth—all in one plan.
A Company Pension plan that makes sense
You might have heard that company pensions (bAV) aren’t worth it. The truth? They’re one of the smartest ways to save—with tax benefits, employer contributions, and no upfront fees.
No Upfront Fees
Every cent you save goes directly into your pension—no hidden costs.
Boosted Savings
Tax-free contributions and employer top-ups grow your pension faster.
Higher Returns with ETFs
Your pension savings are invested, not stuck in low-yield accounts.
Calculate your pension savings
To help you save for retirement, your employer offers a company pension scheme (bAV). It’s subsidized by the state, lowering your taxes and social security contributions.
Tax bracket
Do you pay church tax?
Health insurance type
Your monthly contribution
€50€5€300
Your contribution
Amount from your net salary that goes into your pension.
Employer contribution
Your employer contributes 15% of your salary to your pension.
Tax savings
Since your taxable income is lower, tax and social security savings go directly into your pension.
Total savings going into your pension
€—
Why You Need to Save for Retirement
Why the State Pension Isn’t Enough
The statutory pension covers less than 50% of your last salary—too little for a comfortable retirement. A company pension helps close the gap with employer support and investment growth.
The Three Pillars of Your Retirement
Statutory pension: The basic coverage, but rarely enough.
Company pension (bAV): Smart, subsidized savings with employer support.
Private pension: Extra savings for more flexibility.
Save More Than You Pay
With a company pension (bAV), you contribute less than you think.
For example, converting 100€ from your gross salary into a company pension may only reduce your net income by around 50€—but you still get the full savings amount. On top of that, your employer adds at least 15% extra, growing your pension even faster.
How does the process look like?
Talk to HR
Let your HR team know you want to set up your company pension with Feather. Use our hand-out for that.
HR Signs Up
Your employer registers with Feather and sets up the company pension.
You Start Saving
Once set up, you choose your contribution, get employer top-ups, and start growing your pension.
Already Have a Company Pension?
Many plans hide high fees that reduce your savings. Check your policy for free and see how much more you could keep.
Get a free policy check
