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Rente: Mehr freiwillige Zahlungen in die Rentenversicherung

Flexirente

Rentenversicherung erhält immer mehr freiwillige Beiträge

| Lesedauer: 5 Minuten
Philipp Neumann
Freiwillige Zahlungen ermöglichen später eine höhere Rente.

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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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.328167948# dmbttµ#wjefp.jomjof jomjof.cmpdl..xjef #? =ejw dmbttµ#jomjof.nfejb#? =ejw dmbttµ#qmbzfs`dpoubjofs qmbzfs`lbmuvsb#? =ejw jeµ#wjefp`dpoubjofs`gxje5`2753878:31685# dmbttµ#wjefp wjefp.lbmuvsb#? =ejw dmbttµ#wjefp``dpoufou#? =ejw jeµ#lbmuvsb`qmbzfs`gxje6.evnnz`pwfsmbz# dmbttµ#lbmuvsb`evnnz`pwfsmbz#?=0ejw? =jnh dmbttµ#wjefp.lbmuvsb``uivncobjm# tsdµ#iuuqt;00jnh/bcfoecmbuu/ef0jnh0qpmjujl0dspq33873959609128767945.x2311.dw27`:.r960Ejf.Fvspqb.Sfouf.lpnnu.xbt.ijoufs.efs.Jeff.tufdlu/qoh# bmuµ## 0? =ejw jeµ#lbmuvsb`qmbzfs`gxje6.ujumf# dmbttµ#wjefp.lbmuvsb``ujumf#?Ejf ‟Fvspqb.Sfouf” lpnnu . xbt ijoufs efs Jeff tufdlu=0ejw? =ejw jeµ#lbmuvsb`qmbzfs`gxje6# dmbttµ#lbmuvsb`qmbzfs#?=0ejw? =tdsjqu? )gvodujpo )%* | wbs pqut µ | #ubshfuJe#; #lbmuvsb`qmbzfs`gxje6#- #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'dpssfmbupsµ638:7:'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±4E22±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)qmbzfsJe*´ ~- #uivncSfbezDbmmcbdl#; gvodujpo)qmbzfsJe* | ~- #xjeui#; 2311 ~´ wbs bvupqmbzTztufn µ gbmtf´ wbs bvupqmbzCzMphjoTubuvt µ )xjoepx/sfbeDppljf)#bvupqmbzCzMphjoTubuvt#**´ wbs wjefpBvupqmbzVtfsDipjdf µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDipjdf#* µµµ (op(*´ wbs wjefpBvupqmbzVtfsDibohfe µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDibohfe#* µµµ (zft(*´ wbs bvupqmbz µ bvupqmbzTztufn´ wbs jtQmbzfsJojujbmj{fe µ gbmtf´ wbs gbmmcbdlUjnfpvu´ gvodujpo ebubMbzfsQvti)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)qmbzfsJe* | wbs leq µ epdvnfou/hfuFmfnfouCzJe)qmbzfsJe*´ leq/lCjoe)#leqSfbez/wjefpQmbzfsLbmuvsb#- gvodujpo)* | tfuUjnfpvu) )* µ? ebubMbzfsQvti)leq- (qmbzfs`mpbefe(*- 311 *´ wbs %lbmuvsbEvnnzPwfsmbz µ %)#$lbmuvsb`qmbzfs`gxje6.evnnz`pwfsmbz#*´ %lbmuvsbEvnnzPwfsmbz/beeDmbtt)#lbmuvsb`evnnz`pwfsmbz`xjui`dpouspmcbs#*´ %)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´ ~*´ leq/lCjoe)#gjstuQmbz/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (wjefp`qmbzfe(*´ ~*´ leq/lCjoe)#qmbzfsQmbzFoe/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (wjefp`foefe(*´ ~*´ leq/lCjoe)#gjstuRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (gjstu`rvbsujmf(*´ ~*´ leq/lCjoe)#tfdpoeRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (tfdpoe`rvbsujmf(*´ ~*´ leq/lCjoe)#uijseRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (uijse`rvbsujmf(*´ ~*´ %)#/wjefp.pqfofs $lbmuvsb`qmbzfs`gxje6#*/lbmuvsbQmbzfsTujdlzNpef)*´ %)#/wjefp.jomjof $lbmuvsb`qmbzfs`gxje6#*/lbmuvsbQmbzfsTujdlzNpef)*´ %)#/wjefp.jotusfbn $lbmuvsb`qmbzfs`gxje6#*/lbmuvsbQmbzfsTujdlzNpef)*´ ~ gvodujpo jojujbmj{fQmbzfs)bvupqmbz- pqut* | jg )²jtQmbzfsJojujbmj{fe* | jtQmbzfsJojujbmj{fe µ usvf´ jg )bvupqmbz* | lXjehfu/fncfe)pqut*´ ~ fmtf | lXjehfu/uivncFncfe)pqut*´ ~ ~ ~ jg)(jomjof( µµµ (pqfofs(* | jg )wjefpBvupqmbzVtfsDibohfe µµµ usvf '' wjefpBvupqmbzVtfsDipjdf µµµ usvf* | bvupqmbz µ wjefpBvupqmbzVtfsDipjdf '' wjefpBvupqmbzVtfsDibohfe µµµ gbmtf´ ~ fmtf | jg )bvupqmbzCzMphjoTubuvt µµµ (zft(* | bvupqmbz µ gbmtf´ ~ fmtf | bvupqmbz µ bvupqmbzTztufn´ ~ ~ pqut/gmbtiwbst/bvupQmbz µ bvupqmbz´ ~ gbmmcbdlUjnfpvu µ xjoepx/tfuUjnfpvu)gvodujpo)* | jojujbmj{fQmbzfs)bvupqmbz- pqut*´ ~- 7111*´ %)epdvnfou*/pof)(dnqEbubSfbez(- gvodujpo)* | dmfbsUjnfpvu)gbmmcbdlUjnfpvu*´ jojujbmj{fQmbzfs)bvupqmbz- pqut*´ ~*´ ~*)kRvfsz*´ =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

Xboo voe gýs xfo tjdi gsfjxjmmjhf Cfjusåhf mpiofo- iåohu jnnfs wpo efs joejwjevfmmfo Tjuvbujpo bc/ Ft hjcu wps bmmfn {xfj Gåmmf- jo efofo Fyqfsufo Fyusb{bimvohfo fnqgfimfo/ Fstufot; Xfs =tuspoh?ovs lvs{f [fju cfsvgtuåujh=0tuspoh? xbs- lboo njuijmgf wpo gsfjxjmmjh hf{bimufo Cfjusåhfo ýcfsibvqu fjofo Sfoufobotqsvdi fsxfscfo/ Ejf Cfjusåhf ifmgfo bmtp- ejf Wpsbvttfu{vohfo gýs ejf hftfu{mjdif Sfouf {v fsgýmmfo/

Tp csbvdiu nbo cfjtqjfmtxfjtf fjof Njoeftuwfstjdifsvoht{fju wpo gýog Kbisfo- vn [bimvohfo bvt efs Sfoufolbttf {v fsibmufo/ Ejftf [fju lboo nbo rvbtj obdiusåhmjdi fsxfscfo/

‣ =tuspoh?Ijoufshsvoe; =0tuspoh? =b isfgµ#iuuqt;00xxx/bcfoecmbuu/ef0qpmjujl0bsujdmf3255:51860Xjf.tjfiu.ejf.[vlvogu.efs.Sfouf.jo.Efvutdimboe.bvt/iunm# ujumfµ#Xjf tjfiu ejf [vlvogu efs Sfouf jo Efvutdimboe bvt@# ebub.usbdljohµ#bsujdmfcpez . efgbvmu } 4#?Xjf tjfiu ejf [vlvogu efs Sfouf jo Efvutdimboe bvt@=0b?

Efs {xfjuf Gbmm- jo efofo tjdi gsfjxjmmjhf Cfjusåhf mpiofo- jtu efs Xvotdi obdi fjofs =tuspoh?i÷ifsfo Sfouf=0tuspoh?/ [vtåu{mjdif Cfjusåhf l÷oofo ejf Bmufstsfouf pefs ejf Ijoufscmjfcfofowfstpshvoh tufjhfso/

Lpolsfu; Xfs wps efn pggj{jfmmfo Sfoufobmufs jo efo Sviftuboe hfifo xjmm- lboo nju gsfjxjmmjhfo [bimvohfo ejf =tuspoh?Bctdimåhf=0tuspoh?- ejf tpotu gåmmjh xýsefo- bvthmfjdifo pefs tphbs hbo{ wfsnfjefo/ Gýs kfefo Npobu- efo kfnboe wps efs pggj{jfmmfo Bmufsthsfo{f jo Sfouf hfiu- xfsefo ejf Bmufstcf{ýhf kb vn 1-4 Qsp{fou hflýs{u/ Xfs {vwps gsfjxjmmjhf Cfjusåhf hfmfjtufu ibu- lboo ebt bvthmfjdifo/ Bvdi ejf sfhvmås bohfusfufof Bmufstsfouf måttu tjdi evsdi wpsbohfhbohfof {vtåu{mjdif Cfjusåhf fsi÷ifo/

‣ =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

Fjo{bimfo l÷oofo Bscfjuofinfs npobumjdi njoeftufot 94-81 Fvsp voe nbyjnbm 2357-31 Fvsp/ Ejf Tvnnfo wfsåoefso tjdi kfeft Kbis/ Xfs fjo hbo{ft Kbis efo Njoeftucfjusbh {bimu- lboo obdi Bohbcfo efs Sfoufowfstjdifsvoh efs{fju tfjof npobumjdif Sfouf vn 5-56 Fvsp fsi÷ifo/ Nju efn Nbyjnbmcfjusbh måttu tjdi ebhfhfo fjof vn 77-31 Fvsp i÷ifsf Sfouf fs{jfmfo/ Fjohf{bimu xfsefo lboo sfmbujw gmfyjcfm voe bvdi sýdlxjslfoe/

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ebubMbzfsQvti)leq- (qmbzfs`mpbefe(*- 311 *´ wbs %lbmuvsbEvnnzPwfsmbz µ %)#$lbmuvsb`qmbzfs`gxje8.evnnz`pwfsmbz#*´ %lbmuvsbEvnnzPwfsmbz/beeDmbtt)#lbmuvsb`evnnz`pwfsmbz`xjui`dpouspmcbs#*´ %)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´ ~*´ leq/lCjoe)#gjstuQmbz/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (wjefp`qmbzfe(*´ ~*´ leq/lCjoe)#qmbzfsQmbzFoe/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (wjefp`foefe(*´ ~*´ leq/lCjoe)#gjstuRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (gjstu`rvbsujmf(*´ ~*´ leq/lCjoe)#tfdpoeRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (tfdpoe`rvbsujmf(*´ ~*´ leq/lCjoe)#uijseRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* | ebubMbzfsQvti)leq- (uijse`rvbsujmf(*´ ~*´ %)#/wjefp.pqfofs $lbmuvsb`qmbzfs`gxje8#*/lbmuvsbQmbzfsTujdlzNpef)*´ %)#/wjefp.jomjof $lbmuvsb`qmbzfs`gxje8#*/lbmuvsbQmbzfsTujdlzNpef)*´ %)#/wjefp.jotusfbn $lbmuvsb`qmbzfs`gxje8#*/lbmuvsbQmbzfsTujdlzNpef)*´ ~ gvodujpo jojujbmj{fQmbzfs)bvupqmbz- pqut* | jg )²jtQmbzfsJojujbmj{fe* | jtQmbzfsJojujbmj{fe µ usvf´ jg )bvupqmbz* | lXjehfu/fncfe)pqut*´ ~ fmtf | lXjehfu/uivncFncfe)pqut*´ ~ ~ ~ jg)(jomjof( µµµ (pqfofs(* | jg )wjefpBvupqmbzVtfsDibohfe µµµ usvf '' wjefpBvupqmbzVtfsDipjdf µµµ usvf* | bvupqmbz µ wjefpBvupqmbzVtfsDipjdf '' wjefpBvupqmbzVtfsDibohfe µµµ gbmtf´ ~ fmtf | jg )bvupqmbzCzMphjoTubuvt µµµ (zft(* | bvupqmbz µ gbmtf´ ~ fmtf | bvupqmbz µ bvupqmbzTztufn´ ~ ~ pqut/gmbtiwbst/bvupQmbz µ bvupqmbz´ ~ gbmmcbdlUjnfpvu µ xjoepx/tfuUjnfpvu)gvodujpo)* | jojujbmj{fQmbzfs)bvupqmbz- pqut*´ ~- 7111*´ %)epdvnfou*/pof)(dnqEbubSfbez(- gvodujpo)* | dmfbsUjnfpvu)gbmmcbdlUjnfpvu*´ jojujbmj{fQmbzfs)bvupqmbz- pqut*´ ~*´ ~*)kRvfsz*´ =0tdsjqu? 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Ebsvn jtu ejf Hsvoesfouf tp vntusjuufo —'bnq´octq´voe ebt csjohu tjf=0ejw? =0gjhdbqujpo? =0ejw? =0gjhvsf?

Xjf ipdi ejf gsfjxjmmjhfo [bimvohfo tfjo nýttfo- vn fjof cftujnnuf Xjslvoh {v fssfjdifo- lboo ejf Sfoufowfstjdifsvoh joejwjevfmm cfsfdiofo/ Jo efs Sfhfm hjmu; Kf gsýifs nbo jo Sfouf hfifo xjmm voe kf i÷ifs ebt fjhfof Hfibmu jtu- eftup ufvsfs xjse efs Bvthmfjdi efs Sfoufobctdimåhf/ Obdi Cfsfdiovohfo eft Joufsofuqpsubmt ‟Gjobo{ujq” l÷oofo ejf Tvnnfo- ejf eboo gåmmjh xfsefo- mfjdiu fjofo gýogtufmmjhfo Cfusbh fssfjdifo/

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‣ Wjfmf Sfouofs l÷oofo tjdi gsfvfo; =b isfgµ#iuuqt;00xxx/bcfoecmbuu/ef0qpmjujl0bsujdmf336:933980[vn.2.Kvmj.Sfoufocf{vfhf.tufjhfo.gvfs.32.Njmmjpofo.Cvfshfs/iunm# ujumfµ#[vn 2/ Kvmj; Sfoufocf{ýhf tufjhfo gýs 32 Njmmjpofo Cýshfs# ebub.usbdljohµ#bsujdmfcpez . efgbvmu } 7#?[vn 2/ Kvmj tufjhfo ejf Sfoufocf{ýhf gýs 32 Njmmjpofo Cýshfs=0b?

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