Subsidy calculator · runs in your browser

How much subsidy you get – old and new

Same contribution, same family, both systems side by side: allowances, tax benefit and the total per year. The calculator shows subsidy rates – no returns, no costs and no recommendation.

What the curve looks like for typical situations: Six life situations with subsidy curves.

Your details

Contribution per month (own contribution without allowances) Gross income in the previous year (subject to pension insurance)

Children (with child benefit)

of which born before 2008

Tax assessment Marginal tax rate (estimated from income, editable) Under 25 (career-starter bonus, once)

Assumptions on the child allowance in the new system

The contribution counts for basic and child allowance alike (child allowance = 100% up to €300 per child, limited by the contribution) The child allowance requires additional contributions (up to €300 extra per child)

The administrative rules on offsetting were not yet complete in August 2026; both readings circulate. The calculator shows what changes.

Result per year

Riester (until 2026)–Allowances + tax benefit

Altersvorsorgedepot (from 2027)–Allowances + tax benefit

Item	Riester	AVD

Tax benefit = marginal rate × deductible amount, minus allowances (better-of test). Riester: up to €2,100 incl. allowances; AVD: up to €6,840 of contributions. Solidarity surcharge, church tax and progression effects are not included.

The calculator shows subsidy rates under the Retirement Provision Reform Act (as of August 2026) and the Income Tax Act. It does not consider costs, returns, guarantees or payout rules – that is what the switch check is for. No legal, tax or investment advice, no recommendation.