Many employees in Germany can still save taxes for 2026, but only if they act before 31 December. In this free 45-minute live webinar I show you how it works, with real numbers, in plain English and with time for your questions.
Our example: single, employed, €90,000 salary, pays €14,086 into a Basisrente before 31 December. The tax office carries about 40% of it. In the webinar you’ll calculate your own number.
What you’ll take away
- Six deductions expats often forget, from moving costs to German courses
- The biggest tax lever for employees in Germany, the Basisrente (Rürup pension), explained with a live calculation
- What happens to your money if you leave Germany one day, how flexible you are and what it really costs
How employees can still save taxes for 2026
For most employees, the payroll already takes care of income tax, so there is little left to optimise. One exception is the Basisrente, also called Rürup pension. Contributions count as pension expenses under section 10 of the German Income Tax Act: in 2026 up to €30,826 for singles and €61,652 for married couples.
Your statutory pension contribution, including the employer’s share, already counts towards this limit. The rest is room you can still use. What you pay in before 31 December reduces your taxable income for 2026, and you get the money back with your tax return.
The higher your income, the more you save taxes with every euro: with a salary of €90,000 the tax office carries about 40% of the contribution. In the webinar we calculate this together, for singles and for families.
Who the Basisrente is not for
A Basisrente is a long-term pension. The money is paid out as a monthly pension in retirement and cannot be withdrawn as a lump sum. If you need the money in the next few years, or if you pay little income tax, other options fit better, for example the Altersvorsorgedepot or a flexible pension and investing plan. We cover these differences honestly in the webinar.
About your host
I’m Stefan von Nessen, Managing Director of finanXpats. I started my career at Deutsche Bank, spent many years in consulting with teams from all over the world, and have been helping Internationals in Germany for more than ten years. With finanXpats I advise on insurance and finance in 6 languages, digitally and in person.
Exclusive for participants
Everyone who joins gets access to my Basisrente calculator: see your tax refund for 2026 and what a monthly budget from 2027 would bring. Request your personal proposal with one click.
Questions about the save taxes webinar
Who is this for?
Employees in Germany with a good income who want to pay less tax and build a pension, singles and families.
Do I need to know German tax rules?
No. Everything is explained in plain English.
I can’t make it on the day.
Register anyway and you’ll get the recording.
Is this a sales pitch?
It’s an honest overview, including who the Basisrente is not suitable for. If it fits you, you can request a personal proposal afterwards.
All examples are simplified and based on 2026 tax rules (statutory health insurance, no church tax). This is general information, not tax advice. finanXpats is an offer of von Nessen OHG, Allianz general agency.
Save the date
Thu 26 November 2026 · 18:30–19:15 (CET)Online · English · Free