Frühstart-Rente calculator: what will my child get?

No. You do not file an application yourself. If you open a certified standard depot in your child's name, the provider applies for the 10 € a month at the central subsidy office of Deutsche Rentenversicherung. You can object to this before signing. If you open no depot, the state invests the money for your child in a pooled fund.

Children born in 2020 or later, from the month of their 6th birthday to the month before their 18th. They need a main residence in Germany and a German tax ID. School attendance is not a condition in the draft. Children born in 2019 or earlier get no state money under the draft.

The planned start is 1 January 2027. The 2020 cohort gets the money for 2026 backdated, from the month of the 6th birthday. The 2021 cohort starts in 2027, and every later cohort in the year it turns 6. Money is paid quarterly in arrears. Nothing is final yet: the Bundestag votes on Oct 16, 2026, then the Bundesrat deals with it.

Yes. Parents, grandparents or the child may add up to 6,840 € a year. There is no subsidy for this, and parents cannot deduct it from tax. Gains stay tax-free until payout. The part built from own contributions can be cancelled, the state money cannot.

State payments end in the month before the 18th birthday. The money stays invested and belongs to your child, but it is generally paid out only from 65. From 18 your child can move the whole balance to another certified retirement contract and keep saving there. If the money sat in the state pooled fund, your child needs their own contract by their 35th birthday, otherwise it goes back to the state.

The state pays 1,440 €. What it grows to depends on the return. By 67 it is about €7,300 at 3 % a year after costs, about €21,300 at 5 % and about €61,000 at 7 %. The often quoted 53,000 € assume 7 % until 65. Tax and inflation are not deducted, and nobody guarantees a return.