Basic allowance (Grundzulage)
50%
State subsidy on your contribution
50% state subsidy on the first €30 of your monthly contribution, 25% on further contributions up to €150.
From 2027, the state will subsidise your retirement savings
50% state subsidy on the first €30 of your monthly contribution, 25% on further contributions up to €150.
Child allowance (Kinderzulage)
€300
Child allowance per child per year
For every child eligible for child benefit (Kindergeld): 100% on the first €25 of your monthly contribution. From €25 a month you reach the full amount.
One-off bonus
€200
Career starter bonus
A one-off payment for everyone who takes out their first contract before their 25th birthday.
What ends up in the account
Four inputs are enough, and below you see how much of it is the state subsidy. Your inputs stay in the browser and are not stored anywhere.
In the account by 65, with growth*
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- of which state subsidy
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- of which your own contributions
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- Returns earned in the account (AV-Depot)
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How the account grows up to 65
- Investment returns
- Allowances
- Own contributions
Capital (in € thousand)
Age
Calculation details
- Subsidy per year
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- Term up to 65
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- Subsidy without growth
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- State subsidy up to 65, with growth
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- Own contributions without subsidy, with growth
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The calculation assumes the selected growth rate after costs, monthly compounding at one twelfth of the stated annual rate, and a term from the age entered up to the 65th birthday. For the child allowance, an average age of the children of 10 years is assumed; it therefore runs for another 8 years, up to the 18th birthday. The career starter bonus only counts if the contract is taken out before the 25th birthday. A possible special-expenses tax deduction (Sonderausgabenabzug) is not taken into account. Simplified calculation based on the German pension reform act (Altersvorsorgereformgesetz), to the best of current knowledge. No assurance of any investment performance. Does not replace advice.
Four typical situations
Who benefits most
- From 1 January 2027
- State allowance
- Up to €150 a month
- Payout from 65
- Replaces Riester
Under 25
Career starters under 25
€200
one-off career starter bonus
A one-off extra €200 when you sign up before your 25th birthday, and more than forty years in which the allowances grow along with the account.
With children
Families with children
€300
per child per year
100 per cent on the first €25 of your monthly contribution: that is up to €300 a year per child, on top of the basic allowance. The calculator applies it for eight years, up to the 18th birthday.
Small contribution
Low and middle incomes
50%
Subsidy rate on the first €30
With a monthly contribution of €30, the state adds half on top. No other subsidised investment reaches this rate.
Without statutory pension
Self-employed
Open
even without compulsory insurance
Access is open even without compulsory insurance in the statutory pension scheme. For many it is the first subsidised retirement provision of any kind.
Secure your subsidy now
What is your marital status?
Taken from the calculator
Children: is that right?
Taken from the calculator
Your age: is that right?
30 years 35 years to 65
Taken from the calculator
Monthly contribution: is that right?
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