Advice
Our services
Tailor-made advice for sustainable corporate strategies and legally secure solutions
Company pension scheme (betriebliche Altersversorgung, bAV)
Comprehensive advice on the introduction and optimisation of company pension schemes
- Legally secure implementation
- Digital administration
- Tax optimisation
Managing director pensions
Tailor-made pension plans for executives
- Tax optimisation
- Gesellschafter-GF
- Individual concepts
Company health insurance (bKV)
Modern health care for employees
- Employee retention
- Tax benefits
- Flexible Tarife
Return & Inflation Calculator
Digital tools for financial planning
- Kostenlose Nutzung
- Realistische Prognosen
- Export-Funktion
bAV risk check
Checking your current company pension situation
- Kostenlose Analyse
- Liability risks
- Handlungsempfehlungen
Annual salary calculator
Determination of the health insurance requirement according to §6 SGB V
- Kostenlose Nutzung
- Current values 2026
- Sofort teilbar
HR consulting
Strategic personnel consulting
- Benefit-Strategien
- Mitarbeitergewinnung
- Compliance
bAV calculator direct insurance
Calculate your tax and social security savings precisely through company pension schemes in accordance with German law.
Inputs
Enter your personal information for a precise calculation
Basic data
Tax information
Insurance
Detailed calculation
Tax levies
Social security contributions
Net wage
Graphical representation of your company pension benefits
Breakdown of total contribution, savings and actual net expense
Request pension check
Have your current company pension situation professionally analysed
Request your pension check nowA notice: This calculation is made to the best of our knowledge and belief, but makes no claim to completeness or accuracy. It serves as a rough guide and does not replace individual advice. All calculations are based on current laws and contribution rates 2026. Status: October 2026.
Status: October 2026.
Other important topics
Freedom from health insurance and company pension scheme
Understand the effects of the annual salary limit on company pension schemes and what obligations employers have when providing advice.
Learn moreFrequently asked questions about our services
What services does JCD offer in the area of company pension schemes?
We offer comprehensive advice on the introduction, optimisation and management of company pension schemes (bAV). These include: legally secure pension plans in accordance with § 1 BetrAVG, digital administration solutions for compliance with the Evidence Act, actuarial assessments in accordance with § 6a, tax-optimised implementation methods and individual training for HR managers. Our goal: sustainable, legally secure and economically sensible company pension strategies.
What is a managing director’s pension (GGF pension)?
The managing director's pension is a tailor-made pension plan for shareholder-managing directors (GGF) and executives. It enables tax-optimised pension commitments in accordance with § 6a EStG (direct commitment, support fund (Unterstützungskasse)) and offers greater flexibility than the classic company pension scheme. We examine the legal status of the company, develop tax-approved concepts and ensure long-term financial viability - with the involvement of tax advisors and lawyers.
How does JCD help attract and retain employees?
We develop holistic benefit strategies that go beyond legal minimum requirements: company pension provision (§ 1a BetrAVG subsidy), company health insurance (bKV tax-free up to 50 euros/month in accordance with § 8 Abs. 2 EStG), flexible working time models, company accident insurance and digital HR processes. These benefits measurably increase employer attractiveness – especially for specialists and managers.
How much does a company pension advice at JCD cost?
Our initial consultation is free of charge and non-binding. The costs for comprehensive company pension advice depend on the size of the company, complexity and the desired scope of services. We create transparent offers – whether individual projects, ongoing support or digital management solutions. We work results-oriented and partner-independent, so that you always receive the best solution for your company.
Does JCD also offer digital tools for company pension management?
Yes. We integrate digital solutions to reduce administrative effort: automated documentation in accordance with the Evidence Act, digital pension information for employees, online calculators (e.g. company pension calculator, annual salary calculator), central data storage with statutory retention periods and interfaces to payroll systems. This saves time, reduces error rates and increases compliance.