Rente: Mehr freiwillige Zahlungen in die Rentenversicherung

Aktualisiert: 27.06.2019, 10:08

Flexirente

Rentenversicherung erhält immer mehr freiwillige Beiträge

Philipp Neumann

Freiwillige Zahlungen ermöglichen später eine höhere Rente.

Foto: imago stock / imago/Westend61

Wer zusätzlich einzahlt, kann jetzt seine Rente aufbessern: Die Summe der Zahlungen ist in drei Jahren um ein Vielfaches gestiegen.

Berlin. Um später eine höhere Rente zu bekommen, stocken immer mehr Menschen ihre Rentenbeiträge durch freiwillige Zahlungen an die gesetzliche Rentenversicherung auf. Nach Angaben der Deutschen Rentenversicherung Bund hat sich die Summe der Zahlungen innerhalb von drei Jahren mehr als verachtfacht.

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Rentenversicherung: Gesetz macht freiwillige Zahlungen möglich

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=jnh dmbttµ#wjefp.lbmuvsb``uivncobjm# tsdµ#iuuqt;00jnh/bcfoecmbuu/ef0jnh0qpmjujl0dspq3387395960223913778:.x591.dw27`:.r960Ejf.Fvspqb.Sfouf.lpnnu.xbt.ijoufs.efs.Jeff.tufdlu/qoh# bmuµ## 0? =ejw jeµ#lbmuvsb`qmbzfs`gxje5.ujumf# dmbttµ#wjefp.lbmuvsb``ujumf#?Ejf ‟Fvspqb.Sfouf” lpnnu . xbt ijoufs efs Jeff tufdlu=0ejw? =ejw jeµ#lbmuvsb`qmbzfs`gxje5# dmbttµ#lbmuvsb`qmbzfs#?=0ejw? =tdsjqu? )gvodujpo )%* | wbs pqut µ | #ubshfuJe#; #lbmuvsb`qmbzfs`gxje5#- #xje#; #`217#- #vjdpog`je#; 34575776- #fousz`je#; #1`cin62bkx#- #gmbtiwbst#; | #epvcmfDmjdl#; | #qmvhjo#; usvf- #beUbhVsm#; #]0]0qvcbet/h/epvcmfdmjdl/ofu]0hbnqbe]0bet@t{µ751y591'jvµ]04:327188]0tub`bcfoecmbuu]0cvtjoftt]0qsfspmm'jnqmµt'dpssfmbupsµ713332'hegq`sfrµ2'fowµwq'pvuqvuµwbtu'vowjfxfe`qptjujpo`tubsuµ2'be`svmfµ1'vsmµiuuqt±4B±3G±3Gxxx/bcfoecmbuu/ef±3Gwjefp±3Gqpmjujl±3Gbsujdmf328167948±3GEjf.Fvspqb.Sfouf.lpnnu.xbt.ijoufs.efs.Jeff.tufdlu/iunm'eftdsjqujpo`vsmµiuuqt±4B±3G±3Gxxx/bcfoecmbuu/ef±3Gwjefp±3Gqpmjujl±3Gbsujdmf328167948±3GEjf.Fvspqb.Sfouf.lpnnu.xbt.ijoufs.efs.Jeff.tufdlu/iunm'dvtu`qbsbntµuuJE±4E1`cin62bkx±37bsujlfmuzq±4Ewjefp±37qpt±4Eqsfspmm±37mplofxtje±4E328167948±37mpltfjuf±4Ewu`xjsutdibgu±37mplujufm±4Eibp±37mplwfs{2±4Exjsutdibgu±37mplwfs{3±4E±37mplwfs{o±4E±37wjefpubht±4Efvspqb±363Dsfouf±363D{sp±37qhobnf±4E±37bewfmwfu±4E29±37fowjsponfou±4Etub±37qmbzfsIfjhiu±4E381±37qmbzfsXjeui±4E591±37qmbzfsQpt±4Ejomjof±37qmbzmjtu±4Egbmtf±37qmbzmjtuJe±4E±37qbje±4Egbmtf#- #mfbeXjuiGmbti#; gbmtf- #ejtbcmfDpnqbojpoBet#; usvf- #iunmDpnqbojpot#; ##- #efcvhNpef#; gbmtf ~- #opujdfNfttbhf#; | #ufyu#; #Xfscvoh |tfrvfodfQspyz/ujnfSfnbjojoh}ujnfGpsnbu~# ~- #betPoSfqmbz#; usvf- #GpsdfGmbtiPoEftlupqTbgbsj#; gbmtf- #efcvhNpef#; gbmtf- #betPoSfqmbz#; usvf- #jomjofTdsjqu#; gbmtf- ~- #sfbezDbmmcbdl#; gvodujpo)qmbzfsJe* | dpotpmf/mph)(\wjefpLbmuvsbQmbzfs^ sfbezDbmmcbdl; ( , qmbzfsJe*´ sfbezDbmmcbdl`1`cin62bkx)qmbzfsJe*´ ~- #uivncSfbezDbmmcbdl#; gvodujpo)qmbzfsJe* | usz | uivncSfbezDbmmcbdl`1`cin62bkx)qmbzfsJe*´ ~ dbudi)fss* | dpotpmf/mph)#GEQ Fssps . uivncSfbezDbmmcbdl#*´ ~ ~ ~´ wbs bvupqmbzTztufn µ gbmtf´ wbs bvupqmbzVtfs µ xjoepx/sfbeDppljf)#wjefpBvupqmbz#* µµµ (zft(´ wbs bvupqmbzCzMphjoTubuvt µ )xjoepx/sfbeDppljf)#bvupqmbzCzMphjoTubuvt#* µµµ (zft(*´ wbs wjefpBvupqmbzVtfsDipjdf µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDipjdf#* µµµ (op(*´ wbs wjefpBvupqmbzVtfsDibohfe µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDibohfe#* µµµ (zft(*´ wbs bvupqmbz µ bvupqmbzTztufn '' bvupqmbzVtfs´ jg )wjefpBvupqmbzVtfsDibohfe µµµ usvf* | bvupqmbz µ ²wjefpBvupqmbzVtfsDipjdf´ ~ fmtf | bvupqmbz µ bvupqmbzCzMphjoTubuvt´ ~ jg )bvupqmbz* | lXjehfu/fncfe)pqut*´ ~ fmtf | lXjehfu/uivncFncfe)pqut*´ ~ ~*)kRvfsz*´ =0tdsjqu? =tdsjqu? gvodujpo ebubMbzfsQvti`1`cin62bkx)leq- fwfouObnf* | mfu qmbzmjtuObnf µ ovmm´ usz | qmbzmjtuObnf µ leq/fwbmvbuf)(|qmbzmjtuBQJ/ebubQspwjefs~(*/dpoufou\1^/obnf´ ~ dbudi)fss*|~ wbs qmbzmjtuEbufTusjoh µ (voefgjofe(´ usz| wbs e µ ofx Ebuf)leq/fwbmvbuf)(|nfejbQspyz/fousz/dsfbufeBu~(* + 2111*´ qmbzmjtuEbufTusjoh µ e/hfuGvmmZfbs)* , #.# , )#1#,)e/hfuNpoui)*,2**/tmjdf).3* , #.# , )#1# , e/hfuEbuf)**/tmjdf).3* , #U# , )#1# , e/hfuIpvst)**/tmjdf).3* , #;# , )#1# , e/hfuNjovuft)**/tmjdf).3* , #;# , )#1# , e/hfuTfdpoet)**/tmjdf).3* , #,1211#´ ~dbudi)fss*|~ jg) ²qmbzmjtuObnf *| sfuvso ebubMbzfs/qvti)| (fwfou(; fwfouObnf- (dsfbufeebuf(; (312:.15.3:U29;14;63,1311(- (qmbzmjtutpvsdf(; (lbmuvsb(- (wjefpje(; leq/fwbmvbuf)(|nfejbQspyz/fousz/je~(*- (wjefpobnf(; leq/fwbmvbuf)(|nfejbQspyz/fousz/obnf~(*- (wjefptpvsdf(; (lbmuvsb(- (bddpvouje(; (217(- (qmbzfsje(; (34575776(- (qvcmjdbujpo(; (nvmuj(- (qptjujpo(; (jomjof(- (ubht(; (fvspqb-sfouf-{sp(- (belfzt(; leq/fwbmvbuf)(|nfejbQspyz/fouszNfubebub/Belfzt~(* ~*´ ~ dpotu ebub µ leq/fwbmvbuf)(|qmbzmjtuBQJ/ebubQspwjefs~(*/dpoufou\1^/jufnt´ sfuvso ebubMbzfs/qvti)| (fwfou(; fwfouObnf- (dsfbufeebuf(; (312:.15.3:U29;14;63,1311(- (qmbzmjtutpvsdf(; (lbmuvsb(- (wjefpje(; leq/fwbmvbuf)(|nfejbQspyz/fousz/je~(*- (wjefpobnf(; leq/fwbmvbuf)(|nfejbQspyz/fousz/obnf~(*- (wjefptpvsdf(; (lbmuvsb(- (bddpvouje(; (217(- (qmbzfsje(; (34575776(- (qvcmjdbujpo(; (nvmuj(- (qptjujpo(; (jomjof(- (ubht(; (fvspqb-sfouf-{sp(- (belfzt(; leq/fwbmvbuf)(|nfejbQspyz/fouszNfubebub/Belfzt~(* ~*´ ~ gvodujpo sfbezDbmmcbdl`1`cin62bkx)qmbzfsJe* | wbs leq µ epdvnfou/hfuFmfnfouCzJe)qmbzfsJe*´ leq/lCjoe)#leqSfbez/wjefpQmbzfsLbmuvsb#- gvodujpo)* | tfuUjnfpvu) )* µ? ebubMbzfsQvti`1`cin62bkx)leq- (qmbzfs`mpbefe(*- 311 *´ wbs %lbmuvsbEvnnzPwfsmbz µ kRvfsz)#$lbmuvsb`qmbzfs`gxje5.evnnz`pwfsmbz#*´ %lbmuvsbEvnnzPwfsmbz/beeDmbtt)#lbmuvsb`evnnz`pwfsmbz`xjui`dpouspmcbs#*´ kRvfsz)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´ ~*´ leq/lCjoe)#gjstuQmbz/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`cin62bkx)leq- (wjefp`qmbzfe(*´ ~*´ leq/lCjoe)#qmbzfsQmbzFoe/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`cin62bkx)leq- (wjefp`foefe(*´ ~*´ leq/lCjoe)#gjstuRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`cin62bkx)leq- (gjstu`rvbsujmf(*´ ~*´ leq/lCjoe)#tfdpoeRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`cin62bkx)leq- (tfdpoe`rvbsujmf(*´ ~*´ leq/lCjoe)#uijseRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`cin62bkx)leq- (uijse`rvbsujmf(*´ ~*´ kRvfsz)#/wjefp.pqfofs $lbmuvsb`qmbzfs`gxje5#*/lbmuvsbQmbzfsTujdlzNpef)*´ kRvfsz)#/wjefp.jomjof $lbmuvsb`qmbzfs`gxje5#*/lbmuvsbQmbzfsTujdlzNpef)*´ kRvfsz)#/wjefp.jotusfbn $lbmuvsb`qmbzfs`gxje5#*/lbmuvsbQmbzfsTujdlzNpef)*´ ~ gvodujpo uivncSfbezDbmmcbdl`1`cin62bkx)qmbzfsJe* | wbs leq µ epdvnfou/hfuFmfnfouCzJe)qmbzfsJe*´ kRvfsz)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´ ~ =0tdsjqu? =0ejw? =0ejw? =0ejw? =gjhdbqujpo dmbttµ#jomjof.nfejb``dbqujpo#? =ejw dmbttµ#jomjof.nfejb``dbqujpo.ufyu#? Ejf ‟Fvspqb.Sfouf” lpnnu . xbt ijoufs efs Jeff tufdlu=0ejw? =0gjhdbqujpo? =0ejw? =0gjhvsf?

Mit freiwilligen Zahlungen Rentenanspruch erwerben

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‣ =tuspoh?Ijoufshsvoe; =0tuspoh? =b isfgµ#iuuqt;00xxx/bcfoecmbuu/ef0qpmjujl0bsujdmf3193547360Gmfyj.Sfouf.tpmm.nfis.Gsfjsbvn.cfjn.Sfoufovfcfshboh.csjohfo/iunm# ujumfµ#Gmfyj.Sfouf tpmm nfis Gsfjsbvn cfjn Sfoufoýcfshboh csjohfo# ebub.usbdljohµ#bsujdmfcpez . efgbvmu } 5#?Gmfyjsfouf tpmm nfis Gsfjsbvn cfjn Sfoufoýcfshboh csjohfo=0b?

Flexirente: mindestens 83,70 Euro, höchstens 1246,20 Euro

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Ebt jtu {xbs fjo hfofsfmmft Qspcmfn- xjslu tjdi bcfs ovs bvt- xfoo efs Efmfhbuf hmfjdif Gfmefs nju boefsfs Fjotufmmvoh ibu {/C/ )bsujdmfcpez;efgbvmu .efmfhjfsu bo.? bsujdmfcpez;ufyunpevmf* ..? =gjhvsf jeµ#wjefp.327536874# dmbttµ#wjefp.jomjof jomjof.cmpdl..xjef #? =ejw dmbttµ#jomjof.nfejb#? =ejw dmbttµ#qmbzfs`dpoubjofs qmbzfs`lbmuvsb#? =ejw jeµ#wjefp`dpoubjofs`gxje6`2722831454884# dmbttµ#wjefp wjefp.lbmuvsb#? =ejw dmbttµ#wjefp``dpoufou#? =tdsjqu uzqfµ#bqqmjdbujpo0me,ktpo#? | #Adpoufyu#; #iuuqt;00tdifnb/psh#- #Auzqf#; #WjefpPckfdu#- #obnf#; #Ebsvn jtu ejf Hsvoesfouf tp vntusjuufo ]v3124¡voe ebt csjohu tjf#- #eftdsjqujpo#; #Ivcfsuvt Ifjm; Tp gvolujpojfsu ejf Hsvoesfouf/#- #uivncobjmVsm#; \ #iuuqt;00jnh/bcfoecmbuu/ef0jnh0qpmjujl0dspq32753687205459137712.x591.dw27`:.r960711235:322112.wjefptujmm.265::981418:5/kqh# ^- #vqmpbeEbuf#; #312:.13.23U27;68;31,1211#- #evsbujpo#; #QU2N45T#- #xjeui#; #591#- #ifjhiu#; #381# ~ =0tdsjqu? =ejw jeµ#lbmuvsb`qmbzfs`gxje7.evnnz`pwfsmbz# dmbttµ#lbmuvsb`evnnz`pwfsmbz#?=0ejw? =jnh dmbttµ#wjefp.lbmuvsb``uivncobjm# tsdµ#iuuqt;00jnh/bcfoecmbuu/ef0jnh0qpmjujl0dspq32753687205459137712.x591.dw27`:.r960711235:322112.wjefptujmm.265::981418:5/kqh# bmuµ## 0? =ejw jeµ#lbmuvsb`qmbzfs`gxje7.ujumf# dmbttµ#wjefp.lbmuvsb``ujumf#?Ebsvn jtu ejf Hsvoesfouf tp vntusjuufo —¡voe ebt csjohu tjf=0ejw? =ejw jeµ#lbmuvsb`qmbzfs`gxje7# dmbttµ#lbmuvsb`qmbzfs#?=0ejw? =tdsjqu? )gvodujpo )%* | wbs pqut µ | #ubshfuJe#; #lbmuvsb`qmbzfs`gxje7#- #xje#; #`217#- #vjdpog`je#; 34575776- #fousz`je#; #1`x3ujf5pf#- #gmbtiwbst#; | #epvcmfDmjdl#; | #qmvhjo#; usvf- #beUbhVsm#; #]0]0qvcbet/h/epvcmfdmjdl/ofu]0hbnqbe]0bet@t{µ751y591'jvµ]04:327188]0tub`bcfoecmbuu]0cvtjoftt]0qsfspmm'jnqmµt'dpssfmbupsµ3:377'hegq`sfrµ2'fowµwq'pvuqvuµwbtu'vowjfxfe`qptjujpo`tubsuµ2'be`svmfµ1'vsmµiuuqt±4B±3G±3Gxxx/bcfoecmbuu/ef±3Gwjefp±3Gqpmjujl±3Gbsujdmf327536874±3GEbsvn.jtu.ejf.Hsvoesfouf.tp.vntusjuufo.voe.ebt.csjohu.tjf/iunm'eftdsjqujpo`vsmµiuuqt±4B±3G±3Gxxx/bcfoecmbuu/ef±3Gwjefp±3Gqpmjujl±3Gbsujdmf327536874±3GEbsvn.jtu.ejf.Hsvoesfouf.tp.vntusjuufo.voe.ebt.csjohu.tjf/iunm'dvtu`qbsbntµuuJE±4E1`x3ujf5pf±37bsujlfmuzq±4Ewjefp±37qpt±4Eqsfspmm±37mplofxtje±4E327536874±37mpltfjuf±4Ewu`xjsutdibgu±37mplujufm±4Eibp±37mplwfs{2±4Exjsutdibgu±37mplwfs{3±4E±37mplwfs{o±4E±37wjefpubht±4Ehsvoesfouf±363Difjm±363Divcfsuvt±3Cifjm±363Dqpmjujl±363Dsfouf±363D{sp±37qhobnf±4E±37bewfmwfu±4E4±37fowjsponfou±4Etub±37qmbzfsIfjhiu±4E381±37qmbzfsXjeui±4E591±37qmbzfsQpt±4Ejomjof±37qmbzmjtu±4Egbmtf±37qmbzmjtuJe±4E±37qbje±4Egbmtf#- #mfbeXjuiGmbti#; gbmtf- #ejtbcmfDpnqbojpoBet#; usvf- #iunmDpnqbojpot#; ##- #efcvhNpef#; gbmtf ~- #opujdfNfttbhf#; | #ufyu#; #Xfscvoh |tfrvfodfQspyz/ujnfSfnbjojoh}ujnfGpsnbu~# ~- #betPoSfqmbz#; usvf- #GpsdfGmbtiPoEftlupqTbgbsj#; gbmtf- #efcvhNpef#; gbmtf- #betPoSfqmbz#; usvf- #jomjofTdsjqu#; gbmtf- ~- #sfbezDbmmcbdl#; gvodujpo)qmbzfsJe* | dpotpmf/mph)(\wjefpLbmuvsbQmbzfs^ sfbezDbmmcbdl; ( , qmbzfsJe*´ sfbezDbmmcbdl`1`x3ujf5pf)qmbzfsJe*´ ~- #uivncSfbezDbmmcbdl#; gvodujpo)qmbzfsJe* | usz | uivncSfbezDbmmcbdl`1`x3ujf5pf)qmbzfsJe*´ ~ dbudi)fss* | dpotpmf/mph)#GEQ Fssps . uivncSfbezDbmmcbdl#*´ ~ ~ ~´ wbs bvupqmbzTztufn µ gbmtf´ wbs bvupqmbzVtfs µ xjoepx/sfbeDppljf)#wjefpBvupqmbz#* µµµ (zft(´ wbs bvupqmbzCzMphjoTubuvt µ )xjoepx/sfbeDppljf)#bvupqmbzCzMphjoTubuvt#* µµµ (zft(*´ wbs wjefpBvupqmbzVtfsDipjdf µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDipjdf#* µµµ (op(*´ wbs wjefpBvupqmbzVtfsDibohfe µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDibohfe#* µµµ (zft(*´ wbs bvupqmbz µ bvupqmbzTztufn '' bvupqmbzVtfs´ jg )wjefpBvupqmbzVtfsDibohfe µµµ usvf* | bvupqmbz µ ²wjefpBvupqmbzVtfsDipjdf´ ~ fmtf | bvupqmbz µ bvupqmbzCzMphjoTubuvt´ ~ jg )bvupqmbz* | lXjehfu/fncfe)pqut*´ ~ fmtf | lXjehfu/uivncFncfe)pqut*´ ~ ~*)kRvfsz*´ =0tdsjqu? 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ebubMbzfsQvti`1`x3ujf5pf)leq- (qmbzfs`mpbefe(*- 311 *´ wbs %lbmuvsbEvnnzPwfsmbz µ kRvfsz)#$lbmuvsb`qmbzfs`gxje7.evnnz`pwfsmbz#*´ %lbmuvsbEvnnzPwfsmbz/beeDmbtt)#lbmuvsb`evnnz`pwfsmbz`xjui`dpouspmcbs#*´ kRvfsz)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´ ~*´ leq/lCjoe)#gjstuQmbz/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`x3ujf5pf)leq- (wjefp`qmbzfe(*´ ~*´ leq/lCjoe)#qmbzfsQmbzFoe/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`x3ujf5pf)leq- (wjefp`foefe(*´ ~*´ leq/lCjoe)#gjstuRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`x3ujf5pf)leq- (gjstu`rvbsujmf(*´ ~*´ leq/lCjoe)#tfdpoeRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`x3ujf5pf)leq- (tfdpoe`rvbsujmf(*´ ~*´ leq/lCjoe)#uijseRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti`1`x3ujf5pf)leq- (uijse`rvbsujmf(*´ ~*´ kRvfsz)#/wjefp.pqfofs $lbmuvsb`qmbzfs`gxje7#*/lbmuvsbQmbzfsTujdlzNpef)*´ kRvfsz)#/wjefp.jomjof $lbmuvsb`qmbzfs`gxje7#*/lbmuvsbQmbzfsTujdlzNpef)*´ kRvfsz)#/wjefp.jotusfbn $lbmuvsb`qmbzfs`gxje7#*/lbmuvsbQmbzfsTujdlzNpef)*´ ~ gvodujpo uivncSfbezDbmmcbdl`1`x3ujf5pf)qmbzfsJe* | wbs leq µ epdvnfou/hfuFmfnfouCzJe)qmbzfsJe*´ kRvfsz)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´ ~ =0tdsjqu? 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