Genau hingeschaut!: Im Ruhestand? Welche Kosten jetzt noch die Steuerlast senken

Even in retirement, careful attention to tax returns can be beneficial. Those who must pay taxes on their pension can deduct various expenses, thereby reducing the actual tax burden. The relevance lies not only in the amount of the pension. From the taxable portion, advertising costs, special expenditures, and extraordinary burdens can be deducted.

However, what exactly are these expenses? The Association of Taxpayers clarifies: Advertising costs are often overlooked. For pension income, a flat rate of €102 is generally taken into account. However, if one incurred financial expenses for pension counseling, specific legal counsel, or other costs related to their pension income, they might be able to claim more if the actual costs are proven.

Contributions to health and nursing insurance, in general, are considered work-related expenses and are considered in the tax calculation. Donations and possibly paid church taxes can also play a role as special expenses. Additionally, medical expenses are noteworthy. Expenses for medication, dental work, glasses, or medical aids that are covered by oneself can be considered extraordinary burdens under certain conditions.

However, the tax benefit only applies if the so-called reasonable burden is exceeded, which is individual and depends on income, family status, and the number of children. Household expenses are also particularly worthwhile. For example, employing a household helper, hiring a cleaner, or having professionals perform certain gardening tasks can lead to a tax deduction for household services.

Up to €4,000 per year can be deducted directly from income tax. Handicraft services provide additional tax relief, up to €1,200. "It's important that the corresponding invoices are available and the payment is generally in cash," explains Daniela Karbe-Geßler from the Association of Taxpayers. "Cash payments for services are not recognized by the tax office."

And one more point is crucial: A taxable pension does not automatically mean that income tax must actually be paid. For 2026, the basic exemption is €12,348. However, whether a tax liability ultimately arises depends on the total taxable income and individual deductions.