Overview

• People born in 1965 reach the regular pension age of 67 in 2032 with no deductions.
• Those with at least 45 insured years can retire at 65 in 2030 without reductions under the "particularly long-term insured" route.
• With 35 insured years, retirement is possible from 63 in 2028, with a permanent 0.3% reduction per month early, totaling 14.4% for four years.
• Recognized severely disabled persons with 35 insured years can start at 62 in 2027 with a lifelong 10.8% reduction.
• The Deutsche Rentenversicherung’s Rentenbeginnrechner requires only a birthdate plus two yes/no inputs, shows earliest and regular start dates with percentage cuts, and provides non-binding results based on current law; insured persons should also review their DRV statements and account records.