Retiring early in Germany: the 45-year rule and the reform proposal
Plan an early retirement? See what the pension commission’s proposal would mean for you: a permanent deduction or more months of work.
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Today and the proposal
After 45 insurance years you can currently retire without deduction before the standard age. In June 2026 the pension commission recommended abolishing this and raising the earliest age for 35-year careers from 63 to 64. There is no bill yet, so you choose when the reform would apply.