Retraite à 63 ans : est-ce possible ?
Paris – 26 mai 2025 –
Vous rêvez d’une retraite anticipée ? Ce guide explique qui peut partir à la retraite,quand et comment,en particulier la retraite à 63 ans,mais aussi ce qu’il faut savoir sur les réductions de pension,et l’impact des cotisations.
Alors,prêt à explorer les options qui s’offrent à vous et maîtriser au mieux votre future retraite ?
Here’s a rewritten version of the article, focusing on clarity, conciseness, and a more engaging tone for a general audience. I’ve also removed the ad tags and promotional elements.
Title: Retiring at 63: Can You Do It? What You Need to Know About Early Retirement and Pension Reductions
Many dream of retiring at 63. This guide breaks down who can retire when,the requirements you’ll need to meet,and the potential impact on your pension.
The Allure of Early Retirement
Udo Jürgens famously sang, “Life begins at 66.” but for many, the ideal scenario involves starting their retirement journey much earlier.The option of “flexible retirement” allows individuals to retire as early as 63, provided they have accumulated 35 years of pension contributions. Though, this comes with a significant trade-off: a reduced pension.
The Shifting Retirement Age
Retirement rules have evolved. In the past, a standard retirement age of 65 allowed individuals to retire without deductions. However, since 2012, the standard retirement age has been gradually increasing. For example, to retire with a full pension in 2024, you needed to be 66 years old. This age continues to rise, as shown in the table below.
Table: Standard Retirement Ages
| Year of Birth | Standard Retirement Age | Year of Retirement |
|—|—|—|
| 1958 | 66 years | 2024 |
| 1959 | 66 years and 2 months | 2025/26 |
| 1960 | 66 years and 4 months | 2026/27 |
| 1961 | 66 years and 6 months | 2027/28 |
| 1962 | 66 years and 8 months | 2028/29 |
| 1963 | 66 years and 10 months | 2029/30 |
| 1964 | 67 years | 2031 |
| 1965 | 67 years | 2032 |
| 1966 | 67 years | 2033 |
| 1967 | 67 years | 2034 |
| 1968 | 67 years | 2035 |
| 1969 | 67 years | 2036 |
| 1970 | 67 years | 2037 |
Source: German Pension insurance (DRV)
For those born in 1964 or later, the standard retirement age is 67. Its also possible that future generations will see further increases in the retirement age.
Early Retirement: The Cost of Leaving Early
Retiring before the standard retirement age always results in a lower pension. This is due to two primary factors:
- Fewer Contributions: You contribute less to the pension fund, accumulating fewer pension points. This directly reduces your overall pension amount.
- Deductions: The German Pension Insurance (DRV) applies deductions to compensate for the longer period you’ll be receiving pension payments.
The 45-Year Exception: Retiring early Without Deductions
There’s a significant exception to the deduction rule. If you have accumulated 45 years of pension insurance contributions,you may be able to retire earlier without facing deductions. This can be significantly earlier than 63.
Table: Early Retirement Without Deductions (45 Years of Contributions)
| Year of Birth | Retirement Age | Year of Retirement |
|—|—|—|
| 1961 | 64 years and 6 months | 2025/26 |
| 1962 | 64 years and 8 months | 2026/27 |
| 1963 | 64 years and 10 months | 2027/28 |
| 1964 | 65 years | 2029 |
| 1965 | 65 years | 2030 |
| 1966 | 65 years | 2031 |
| 1967 | 65 years | 2032 |
| 1968 | 65 years | 2033 |
| 1969 | 65 years | 2034 |
| 1970 | 65 years | 2035 |
Source: German Pension Insurance (DRV)
Crucial Note: These 45 years don’t necessarily mean 45 years of employment. Periods of child-rearing,caring for relatives,and military or community service can also count towards this total. The DRV refers to this as the “old-age pension for especially long-standing insured persons.”
Even with 45 years of contributions, retiring early will still likely result in a slightly lower pension due to fewer overall contributions.
Retiring at 63 with 35 Years of Contributions: The “Long-Standing Insured Persons” Option
If you have 35 years of pension insurance contributions, you can retire as early as 63, but with deductions. The DRV calls this the “old-age pension for long-standing insured persons.” Similar to the 45-year rule, these 35 years can include periods of child-rearing, caregiving, military service, divorce care times, pregnancy, unemployment, or study.
Know Your Options: Check Your pension Details
The best way to understand your individual retirement options is to review your pension information. If you are legally insured and over 55, you should automatically receive this information. Sections “H” and “I” will detail when you can retire without deductions and the potential deductions for early retirement.
