SVS, 18.5% contribution, Korridorpension from 62 and Ausgleichszulage: everything about pensions for Selbständige and Gewerbetreibende in Austria.
65 / 60
Legal age (M / F)
18.5%
Pension contribution rate
~1,218 EUR
Ausgleichszulage (minimum)
Age 62
Korridorpension (40+ years)
In Austria, all self-employed workers (Gewerbetreibende with trade license and Neue Selbständige above the ~6,221 EUR/year threshold) are mandatorily insured with SVS (Sozialversicherungsanstalt der Selbständigen), created in 2020 from the merger of SVA and SVB.
SVS covers all Austrian self-employed for pension, health and accident insurance. It manages contributions, calculates entitlements and pays benefits. Registration is automatic upon obtaining a trade license (Gewerbeberechtigung) or exceeding the income threshold for Neue Selbständige.
Self-employed contribute 18.5% of declared income, with floors and ceilings:
Minimum contribution base: ~518.44 EUR/month (2024)
Maximum contribution base: ~7,070 EUR/month (2024)
Self-employed with at least 40 contribution years can retire from 62 via Korridorpension. A deduction of 4.2% per early year applies (max. 12.6% for 3 years).
Those who performed heavy labor for at least 10 of the last 20 years can retire from 60 with a reduced deduction. This mainly concerns craftspeople and physical professions.
The Prämienbegünstigte Zukunftsvorsorge is a private pension savings scheme with a state premium of approximately 4.25% on annual contributions (ceiling ~2,987 EUR/year in 2024). Capital gains are tax-exempt.
Betriebliche Vorsorge (company pension) is also available to the self-employed through collective or individual contracts.
Take advantage of the state premium (~4.25%) and tax-free capital gains. Contribute the annual maximum to optimize your supplementary pension.
If you have 40+ contribution years, retirement at 62 is possible. Calculate the impact of the 4.2%/year deduction on your monthly pension.
Regularly request your Pensionskonto (pension account) from SVS to verify all contribution periods are properly recorded.
If your pension is below ~1,218 EUR/month (single, 2024), the Ausgleichszulage automatically tops up the difference. This is Austria's safety net.
Our AI calculates your pension rights across all 27 EU countries, including SVS, Korridorpension and Zukunftsvorsorge for Austria.
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