bAV instead of capital-forming benefits More pension with the same net Safe and flexible Attractive to young people Calculate your benefit Double provisions - with the same net Almost all employees are entitled to capital-forming benefits (VL). Often the money is invested in bank or fund savings plans or building society contracts. This has the disadvantage that you have to pay taxes and social security contributions on these amounts, which reduces your net salary. If you alternatively pay the VL benefit into a company pension scheme at the Sparkassen Pensionskasse, you can benefit from tax and social security savings compared to conventional systems and save the full amount. Our example shows: If you top up the capital-forming benefits (VL) with your own contributions, you can invest a higher amount in your company pension with the same net payment. Sample calculation Classic system of the VL Use of the VL the operational retirement provision Gross salary per month EUR 2,000 Employer's share VL + 40 EUR Conversion of remuneration including VL service 0 EUR - 72 EUR Gross subject to social insurance = EUR 2,040 = EUR 1,968 Taxes and solos. - EUR 211 - 194 EUR Social security contributions - 424 EUR - 409 EUR Net salary = EUR 1,405 = EUR 1,365 Transfer of the VL - 40 EUR 0 EUR Net payout = EUR 1,365 Advantage: Instead of 40 euros VL, 72 euros flow into the pension fund contract - with the same net! Das Beispiel wurde berechnet für einen Arbeitnehmer, Steuerklasse I, keine Kirchensteuer, gesetzl. Krankenversicherung 15,7 %. Die dargestellten Ergebnisse sind unverbindlich und können trotz sorgfältiger Ermittlung im Einzelfall von Ihren persönlichen Werten abweichen. Gehaltsrechner Berechnen Sie hier einfach und schnell Ihre Vorteile der Entgeltumwandlung. bAV-Rechner auch als App Sicherheit, Flexibilität und Rendite sind Ihnen für Ihre Altersvorsorge besonders wichtig? Die PensionsRente Invest kombiniert diese wichtigen Aspekte für Sie und bietet dadurch eine Top-Absicherung im Alter. Mehr zur PensionsRente Invest Wenn der Chef sich engagiert - ein gutes Gefühl. Lassen Sie sich den gesetzlichen Anspruch auf Entgeltumwandlung nicht entgehen und profitieren Sie von den staatlichen Fördermöglichkeiten. Mehr zu den Vorteilen für Arbeitnehmer Kontakt 089 - 2160 9797 We can be reached by phone Monday - Friday from 8 a.m. to 6 p.m. service@s-pension.de Sparkassen Pensionskasse AG Deisenhofener Strasse 63 81539 Munich Do you have any questions about the pension fund or your pension information? Here you find the answers: Pension fund Benefits for employees Benefits for employers capital accumulation benefits service Send Message Arrange a consultation Apply for benefits Home page Contact Sitemap data protection imprint Cookie settings © 2021 S-PensionsManagement Your cookie settings on our website By clicking on the "I agree" button, you consent to your personal data being transmitted to third-party providers using cookies for statistical and marketing purposes (including Google Analytics) and for the use of social media. In this context, by clicking the "I agree" button, you also consent to your personal data being processed in third countries outside the EU and the EEA, even if these third countries do not have a sufficient level of data protection according to EU standards. In particular, there is a risk that your data may be processed by foreign authorities for control and / or monitoring purposes, possibly even without the possibility of legal remedies.Link . You can adjust the cookie settings by clicking on "More information" and thus determine which cookies you would like to allow. You can revoke your consent at any time with effect for the future. I agree Reject More information imprint | data protection