GermanyDeutsche Rentenversicherung
Pension insurance threshold rises to 633 EUR a month from 2027
The 603 EUR rate now applies strictly for 1 January to 31 December 2026. The 633 EUR figure governs from 1 January 2027.
By Taxxa AI OyPublished 16 September 2026
Self-employed persons earning no more than 633.00 EUR a month remain free of pension insurance from 1 January 2027.Deutsche Rentenversicherung The monthly Geringfügigkeitsgrenze that determines Versicherungsfreiheit under § 5 Sechstes Buch Sozialgesetzbuch (SGB VI) rises from 603.00 EUR to 633.00 EUR on that date. The figures stand in the Deutsche Rentenversicherung table of pension insurance values, status 1 July 2026, in the section headed "Geringfügigkeitsgrenzen - versicherungsfreie selbstständige Tätigkeit", which lists the monthly threshold for each period.
The 2026 figure is now fixed to its calendar year. For the period from 1 January 2026 to 31 December 2026 the threshold is 603.00 EUR a monthDeutsche Rentenversicherung; from 1 January 2027 only the 633.00 EUR figure governs
Deutsche Rentenversicherung. The 2025 threshold was 556.00 EUR a month. The series continues the annual updating of the limit, which stood at 450.00 EUR a month from 2013 to 2022, then 520.00 EUR in 2023 and 538.00 EUR in 2024.
The document presents this limit as the figure decisive for determining Versicherungsfreiheit under § 5 SGB VI. Separately, the Deutsche Rentenversicherung lexicon defines geringfügig entlohnte Beschäftigung as employment that is marginal because of the low level of pay under § 8 Absatz 1 Nummer 1 Viertes Buch Sozialgesetzbuch (SGB IV), as distinct from short-term employment under § 8 Absatz 1 Nummer 2 SGB IV, which turns on duration rather than pay. For employees in geringfügig entlohnte Beschäftigung, new rules have applied in pension insurance since 1 January 2013: depending on the circumstances of the case, such employees may be subject to compulsory pension insurance, free of pension insurance, or exempted from compulsory pension insurance on application.
In health and unemployment insurance, a person doing geringfügige Beschäftigung is free of insurance under § 7 Absatz 1 Fünftes Buch Sozialgesetzbuch (SGB V) and § 27 Absatz 2 Drittes Buch Sozialgesetzbuch (SGB III); in pension insurance this freedom applies only to short-term employment. Because a change in the Geringfügigkeitsgrenze counts as a change of circumstances, the insurance assessment of each affected relationship has to be made afresh at every such change. The 633.00 EUR figure itself governs from 1 January 2027.Deutsche Rentenversicherung Employers must report every marginally employed person, so status changes at the turn of the year feed directly into reporting.
Legal basis: § 5 SGB VI for the 633.00 EUR monthly threshold from 1 January 2027Deutsche Rentenversicherung, with § 8 Absatz 1 SGB IV, § 7 Absatz 1 SGB V and § 27 Absatz 2 SGB III governing the surrounding insurance assessment.
Review every employment and self-employed relationship near the monthly threshold and update payroll status and reporting for the 633.00 EUR figure taking effect on 1 January 2027.