Retirement account calculator: how much subsidy you get
Enter your monthly contribution, your children and your time horizon. The calculator shows the state subsidy under the law from 2027 and what it can grow into with returns.
With state subsidy: €107,449. Same plan without subsidy: €81,538.
- Paid in yourself
- €36,000
- State subsidy
- €11,700
- €390 per year
- Same plan without subsidy
- €81,538
Simplified: subsidy credited once a year. Child bonus = 100% of your contribution, at most €300 per child. Without costs, tax on payout or inflation. The return is an assumption, not a forecast.
How much to pay in for the maximum subsidy?
The basic subsidy is maxed out at €1,800 of your own contributions a year, which is €150 a month. The state then adds €540 a year. Paying in less than €120 a year gets no subsidy. For the full child bonus of €300 per child you need at least €300 of your own contributions a year.
Subsidy per year by monthly contribution
Without children. Each child adds a child bonus: as much as you pay in yourself, at most €300 a year.
| Your contribution per month | Subsidy per year | Subsidy rate |
|---|---|---|
| €10 (€120 per year) | €60 | 50.0% |
| €25 (€300 per year) | €150 | 50.0% |
| €50 (€600 per year) | €240 | 40.0% |
| €100 (€1,200 per year) | €390 | 32.5% |
| €150 (€1,800 per year) | €540 | 30.0% |
| €200 (€2,400 per year) | €540 | 22.5% |
Altersvorsorgedepot by age
How much subsidy adds up by 65 if you start in 2027 and pay in 150 € a month:
All about the retirement savings account
Rules, 2027 start, Riester and FAQRelated
- TopicAltersvorsorgedepot 2027: subsidy, calculator and rules explained simplyFrom 2027 the Altersvorsorgedepot replaces Riester subsidies for new contracts. You invest in funds such as ETFs and the state adds a subsidy. In return, the money stays locked until retirement.
- ChapterCompound interestWhen your returns start earning returns of their own, your money grows like a snowball. Slowly at first, then faster and faster.
- CalculatorSavings plan calculator
- TermSavings plan (Sparplan)An automatic, regular investment of a fixed amount into ETFs, funds or stocks.