Altersvorsorgedepot calculator Plus

Subsidy, tax advantage and return in one calculation – see what the Altersvorsorgedepot (Germany’s state-subsidized retirement investment account) gets you.

Extended Altersvorsorgedepot calculator 2027

How much does the Altersvorsorgedepot give you?

Enter your age, contribution, children and income. The calculator shows the subsidy, the tax advantage and your projected account balance, compares it with an ordinary ETF account and also calculates the payout in retirement.

AVD netto –
Fördersumme –

Ihre Angaben

Aktuelles Alter iIhr heutiges Alter. Daraus ergibt sich die Spardauer bis zum Renteneintritt mit 67 — gerechnet ab AVD-Start 2027. 35 J.
1866
Monatlicher Sparbetrag iIhr eigener Beitrag pro Monat. Bis 150 €/Monat erhalten Sie die volle Grundzulage von 540 €/Jahr. Höhere Beiträge sind möglich, werden aber nicht zusätzlich gefördert. 200 €
0 €500 €
Kinder mit Kindergeldanspruch iPro Kind unter 25 mit Kindergeldanspruch gibt es 300 €/Jahr Kinderzulage – voll ab 25 €/Mo Eigenbeitrag. Tragen Sie das Alter jedes Kindes ein; der Anspruch endet mit dem 25. Geburtstag.
0
Brutto-Jahreseinkommen iBestimmt den Grenzsteuersatz nach § 32a EStG (2026) inkl. Soli und damit den Steuervorteil sowie den geschätzten Rentensteuersatz. 45.000 €
0 €120.000 €
Steuerliche Veranlagung iVerheiratete profitieren vom Ehegatten-Splitting: Das Einkommen wird vor der Steuerberechnung halbiert.
Individuelle Annahmen
Erwartete Rendite iJährliche Bruttorendite vor Kostenabzug. MSCI World hat langfristig 7–8 % p.a. gebracht, gemischte Portfolios 4–6 %. 5,5 %
1 %10 %
AVD-Kosten p.a. iLaufende Kosten des AVD. Standardprodukt ist auf 1,0 % gedeckelt; günstige ETF-Lösungen schaffen 0,2–0,5 %. ETF-Vergleichs-Depot rechnet mit fester TER 0,2 %. 0,5 %
0 %2 %
Inflation p.a. iRealer Wertverlust pro Jahr. Bei aktivem Schalter werden zusätzlich Kaufkraft-Werte (heutige Euro) angezeigt. EZB-Ziel ist 2 %. 2,0 %
0 %5 %
Riester-Übertrag iBestehendes Guthaben aus einem Riester-Vertrag, das ins AVD übertragen wird. Wirkt als Startkapital und wird mitverzinst. 0 €
0 €50.000 €
AVD vs. ETF-Depot
5,5 % − 0,5 % Kosten
AVD netto bei Renteneintritt
–
–
Monatliche Rente (netto)
–
4 %-Entnahme
Fördersumme gesamt
–
–
Vorteil ggü. ETF-Depot
–
–
Depot-Verlauf über die Spardauer
AVD (netto nach Steuer) ETF-Depot (netto)
Wie sich das Depot zusammensetzt
Start: Januar 2027 Auf die Warteliste Erfahren Sie als Erste:r, welche Anbieter starten
Monatlich –
Gesamt –

Auszahl-Strategie

Startkapital bei Renteneintritt iWird automatisch aus der Ansparphase übernommen (AVD-netto). Sie können es auch manuell überschreiben, um z.B. zusätzliches Kapital einzurechnen. 100.000 €
10.000 €2 Mio €
Auszahlungsdauer iÜber wie viele Jahre Sie das Kapital entnehmen. Die statistische Lebenserwartung ab 67 liegt bei rund 20 Jahren — 25–30 Jahre lassen Puffer. 25 J.
5 J.40 J.
Rendite Auszahlphase iIm Rentenalter wird typischerweise konservativer angelegt — 2–3 % p.a. sind realistisch. 3,0 %
0 %6 %
Entnahme-Strategie iAnnuität: Festes monatliches Auszahlbetrag — am Ende ist das Depot auf null. 4 %-Regel: Sie entnehmen 4 % des Startkapitals jedes Jahr; bei guter Marktentwicklung bleibt Restkapital übrig.
Auszahlung
3,0 % p.a.
Monatliche Auszahlung
–
–
Gesamtauszahlung
–
–
Zinsertrag in der Rente
–
–
Depot-Verbrauch über die Auszahlphase
Restkapital

Unverbindliche Modellrechnung, keine Anlageberatung, keine Garantie künftiger Wertentwicklung. Vergangene Wertentwicklungen sind kein verlässlicher Indikator für künftige Wertentwicklungen.

Methodology

How this calculator works

The calculator works out the basic allowance using the scale in § 84 EStG. On the first €360 of own contribution per year there are 50 cents per euro, on everything above that up to €1,800 another 25 cents, and at €540 it stops. There is no more than that. The child allowance under § 85 EStG comes on top: €300 per child eligible for child benefit, reached in full from an own contribution of €25 a month. The calculator derives your marginal tax rate from your gross income under § 32a EStG. It then checks whether the special expenses deduction is worth more than the allowance.

Costs

What an Altersvorsorgedepot may cost

Nobody knows the prices. No provider has presented a binding price list so far, because certification by the Federal Central Tax Office only begins in fall 2026. This calculator therefore turns the question around and shows you up to which level of ongoing costs the Altersvorsorgedepot still makes sense compared with a non-subsidized ETF account. As soon as the first real terms are on the table, you will have a benchmark.

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Altersvorsorgedepot calculator on your website

Do you advise people on retirement provision and want to show them the numbers instead of explaining them?

Then put the calculator on your own site. Free of charge, no registration, no tracking and no cookies. The code is tied to your domain so that nobody can pass it on, and it adjusts its height to your layout automatically.

 

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Who this is worth it for

  • Tax firms
    in the client area, as a conversation starter before the consultation
  • Insurance and financial intermediaries
    on the product page, with no development work of your own
  • Specialist editorial teams and advice portals
    as an interactive element in the article
  • Employers and works councils
    on the intranet, alongside occupational pension provision
FAQ

Frequently asked questions

With an own contribution of €1,200 a year it comes to €390 in basic allowance. The government gives 50 cents on each of the first €360, that is €180, and 25 cents on the remaining €840, another €210. With one child, €300 is added.

From €1,800 a year, that is €150 a month. At that point the €540 is exhausted. Anyone paying in more receives no additional allowance — contributions of up to €6,840 a year are possible, but only €1,800 of that is subsidized.

That depends on three factors: your allowance, your tax rate in retirement and the account costs. In a non-subsidized account, 30% of the gains stay tax-free through the partial exemption; in the Altersvorsorgedepot the entire payout is taxed at your personal rate. The calculator compares the two.

Because they do not exist yet. No provider has published a binding price list, and certification only starts in fall 2026. Every comparison table on the web that names specific percentages for individual institutions today is estimated or invented.

The MSCI World has returned 7% to 8% a year over the long term, mixed portfolios 4% to 6%. The preset is 5.5%, which is a conservative figure for a broadly diversified global portfolio. If you want to plan cautiously, use less.

The transferred balance acts as initial capital in the calculator and earns a return from the start. By law the transfer does not count as a cancellation, so allowances and tax advantages you have received are preserved. Switching, acquisition and distribution costs may still apply.

Benefits from subsidized contributions are taxed in full at your personal tax rate under § 22 no. 5 EStG, including allowances and capital gains. Benefits from non-subsidized contributions are generally taxed on the income portion. The calculator estimates your pension tax rate from your income today.

For members with compulsory cover under the health insurance scheme for pensioners, no contributions are due on the payout. Voluntary members of the statutory scheme, by contrast, pay under § 240 SGB V on their entire economic capacity — this mainly affects the self-employed.

You withdraw 4% of the initial capital every year. If markets do well, capital is left at the end; if they do badly, the securities account can be empty sooner. The alternative in the calculator is the annuity: a fixed monthly amount under which the account is planned to reach zero.

The preset is 2%, which matches the European Central Bank’s target. Historically Germany has been between 1.5% and 3%. If you switch on show values in today’s money, you also see what your final balance would be worth in today’s purchasing power.

Yes, via the share function below the result. The link contains your entries; nothing is stored on our side. The calculation runs entirely in your browser, no data is transmitted to our server.

It provides a model calculation based on your entries and the subsidy and tax rules in force under the Retirement Provision Reform Act. Returns, inflation and future tax rates are assumptions, not promises. This is no substitute for advice.