The company pension plan (bAV) is a popular way to save for retirement or potential occupational disability through your employer. In addition to providing a supplementary pension later, it also offers tax and social security advantages during the savings phase.
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Contributions to the bAV are usually deducted directly from the gross salary (gross salary conversion).
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These contributions are already tax-advantaged at the time of payment.
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Therefore, they cannot be additionally claimed in the tax return.
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No separate entry in the Taxfix app is required or requested.
🚀 Your Guide
What is a company pension plan?
A bAV is an additional retirement plan organized by your employer to secure you for retirement or in case of occupational disability.
The most common model is the so-called gross salary conversion: Your employer regularly transfers part of your gross salary tax-free into a company pension insurance or pension fund.
These contributions directly lower your taxable and social security income – meaning you pay less in taxes and contributions during the savings phase.
How does the tax treatment work?
Contributions to a bAV are already tax-advantaged through payroll accounting.
You receive the benefit immediately because your gross salary is reduced by the contribution amount.
These contributions therefore do not need to be entered separately in the tax return – they have already been accounted for in your payroll.
ℹ️ Note about the payout phase:
Once you retire and receive benefits from the bAV, these payments are taxable income. Tax cases concerning the retirement phase are not yet supported by Taxfix.
Why can’t I claim the contributions in the tax return?
In a classic gross salary conversion, your taxable income is already reduced by the contributions. Therefore:
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no additional tax claim in the tax return is possible, and
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there is no input option for this in the Taxfix app.
➡️ This applies to most bAV contracts – exceptions might include contribution-financed models outside the classic gross salary conversion, but these are rare.
Where do I enter other pension contracts in the app?
Contributions to other types of pension plans (e.g., Riester, Rürup, private supplementary insurance) can be entered under “Expenses” in the Taxfix app – as long as they are tax-deductible.
💡 Important:
Not every contract is tax-deductible. Therefore, it is possible that your insurance company does not appear in the selection list.
🛠️ Support Tip:
Depending on the type of supplementary pension or retirement provision, you can enter your contributions under “Expenses.”
If you cannot find your insurance provider, it is likely not tax-deductible.
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Still have questions?
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