Leaving Germany? Your pension money can come home.

Every month you worked in Germany, 9.3% of your gross went into the state pension. If you leave for good, you may claim your employee contributions back — often a five-figure amount. Check your eligibility and estimate your refund in € and ₹.

Updated 13 August 2026

🧾 Eligibility check

Your citizenship

Total months you contributed in Germany

Under 60 months → refund possible. 60+ months → you've earned a German pension at retirement age instead.

Months since you left Germany (and the EU)

A 24-month waiting period applies after leaving.

💶 Your contribution history

Add each year you worked with your gross salary for that year (part years: enter what you actually earned).

Estimated refund (your employee contributions)

€ 0

≈ ₹ 0 at today's rate

€ 0Total gross entered

9,3%Employee pension rate

✅ Your verdict

ℹ️ Estimate only. The refund covers your employee share (9.3% since 2018; capped at the contribution ceiling per year — this tool applies historical ceilings automatically), without interest and without the employer share. Indian citizens: refund eligibility is not clear-cut. Refund services say it is possible with under 60 months; the Deutsche Rentenversicherung's guidance says a refund can be excluded where you are covered by social insurance in an agreement country such as India (e.g. EPF) or have the right to voluntary insurance. Ask the DRV in writing. Apply with form V0901 via Deutsche Rentenversicherung. Get your exact figures from your annual Renteninformation letters or a Versicherungsverlauf.