Retirement account calculator (Altersvorsorgedepot)

Non-binding sample calculation for the new subsidised German retirement product (Altersvorsorgedepot), starting 1 January 2027. Subsidies per the tecis factsheet 05/2026; the final legislation may differ. The child subsidy (Kinderzulage) follows each child's age and is paid for as long as child benefit entitlement exists. Contributions and subsidies are calculated in full contribution years; anyone starting mid-year receives the first year's subsidy only in proportion to the contribution. Subsidies and tax refunds are calculated up to age 70 at most. The assumed return is not guaranteed and is to be understood as a value after product and fund costs. Investments are subject to market fluctuations. Payouts in the pension phase are subject to deferred taxation (nachgelagerte Besteuerung). This is not investment or tax advice.