DE
From 1 January 2027 · Altersvorsorgedepot

Your Riester contract can move. Here is what applies.

Rules, deadlines, costs and the process of transferring a Riester contract into Germany’s new Altersvorsorgedepot – independent, with sources, no product interest. We do not advise and we do not broker. The decision stays with you.

Which rules apply to me? 📷 Photograph your statement

Switch check

Start here · 1 minute

Six details about your contract – and you see which rules, costs and subsidies apply to you.

No recommendation. No data leaves your browser.

Or photograph your statement – then the details are already filled in.

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The facts for your detailsThis is information, not advice. The assessment is yours to make, alone or with a licensed adviser – where to find one.

01What follows from your details

    Rules that apply to every transfer

      02Costs and example calculation illustration, assumptions editable

      Assumed costs of the old contract p.a.
      %
      Assumed costs of the AVD p.a.
      %
      Ongoing costs of the old contract over the remaining term
      –
      Ongoing costs of the AVD over the remaining term
      –
      Switching costs old / cap new
      –

      03Subsidy per year at your contribution

      Riester: basic + child allowance
      –
      AVD: contribution-based subsidy
      –
      Source: Retirement Provision Reform Act, Bundesrat 8 May 2026. As of August 2026. The figures are worked examples, not a recommendation.
      See receiving accounts
      Three rules that apply to every transfer

      Set by the Retirement Provision Reform Act, regardless of provider. All rules in plain language · Nine examples

      €0switching costs at the old provider if the contract is five years or older
      max. €150is what the new provider may charge for accepting the balance
      100%of the allowances received so far are kept on transfer

      Four options for your contract

      All four are permitted by law. None is “right” – it depends on contract, term and subsidy.

      Continue

      The contract runs as before, with Riester subsidy, guarantee and grandfathering.

      Requirement: none

      Make contribution-free

      No new contributions; the balance stays invested, allowances received are kept.

      Form: informal letter

      New subsidy scheme in the contract

      The contract stays, the subsidy switches to the new logic – if the provider offers it.

      Requirement: provider’s offer

      Transfer

      The balance moves into an Altersvorsorgedepot. Allowances stay, costs are capped, no consent of the old provider needed.

      From: 1 January 2027

      What helps you with the transfer

      Calculators, templates, provider data and explanations – all without advice and without collecting data. Anything still in progress is shown dashed.

      Start hereIn plain words

      Riester, Altersvorsorgedepot, 2027 – explained like over coffee, no jargon. The right start if the provider’s letter made no sense.

       CalculatorSwitch check

      Rules, cost rule, example calculation and old-vs-new subsidy for my contract – no recommendation.

       OverviewAVD, standard or guarantee?

      The three product categories of the new system – investment, costs, guarantee – explained side by side.

       Examples · with chartsNine life situations

      From career starter to Wohn-Riester couple – where the subsidy counts, where the guarantee does, and where letting it rest is the third option.

       ProcessHow a transfer works

      Four steps, who is involved, what happens when – plus checklist and sample transfer request.

       GuidesGuides

      Grandfathering, deadlines, costs, allowances, payout, annual statement, Wohn-Riester, transfer value.

       TemplateLetter generator

      Information request, contribution stop, subsidy declaration – fill in, sign, download as PDF. Runs in your browser.

       DataRiester provider database

      29 existing providers: products, transfer desk, forms, cost rule, data status. Being built up.

       DataReceiving accounts

      18 announced Altersvorsorgedepots as facts. You sort and choose yourself.

       TimelineWhat’s new

      Legislation, provider announcements and changes to this site, in order with sources.

       InterfaceFor AI assistants (MCP)

      Seven fact tools for Claude, ChatGPT & co. No login.

       GuidesTimeline

      What works in 2026, what only from 2027, and the two dates that matter.

       GuidesReading your statement

      Which line means what, and the three figures you need.

       GuidesSubsidy in figures

      Three family situations, both systems side by side.

       CalculatorSubsidy calculator old vs. new

      Allowances and tax benefit for your contribution, income and children – both systems side by side, assumptions switchable.

       Data · from 2027Processing-time barometer from 2027

      Anonymous reports of processing times per provider; the median is shown from three reports. The form is on every provider page.

       Calculator · experimentalStatement scanner

      Photo of your statement; figures are recognised in your browser and passed to the switch check. AI extraction only with consent.

       TimelineRSS feed

      Every change to rules, provider data and this site as a feed – in your reader or in mail apps that read RSS.
      in progressCost illustration as a separate calculator in progress

      Currently part of the switch check (assumptions editable there).