The Frühstartrente pays children aged 6 to 18 a monthly €10 into their own securities account. How it differs from the child allowance, a model calculation to 67 and what happens at 18.
Minimum own contribution: €120 a year keeps the subsidy alive
€120 per year is the lower limit for the allowance. Which three thresholds there are, how the basic allowance is staged and what applies with a fluctuating income.
Basic allowance in the Altersvorsorgedepot: up to €540 per year from the state
Basic allowance in the Altersvorsorgedepot: up to €540 per year from the state. Who is entitled, how is the allowance calculated, when is it paid out? All the answers.
Altersvorsorgedepot
Altersvorsorgedepot from 2027: who benefits, when does it start, how much subsidy is there, how does the payout work? All the answers, clearly explained.
Career starter bonus: €200 free for young savers
Career starter bonus 2027: a one-off €200 government payment when you open an Altersvorsorgedepot before your 25th birthday. Requirements & tips.
Special expenses deduction in the Altersvorsorgedepot: €1,800 plus allowance entitlement
Special expenses deduction in the Altersvorsorgedepot: deduct €1,800 of contributions per year, the more-favourable-treatment check, and examples of tax savings at different income levels.
Annex AV (pension section of the German tax return): entering the Altersvorsorgedepot in your tax return
Annex AV in the income tax return: how to enter contributions to the Altersvorsorgedepot correctly from 2027, step by step, with examples and common mistakes.
ZfA: the Central Allowance Office for Retirement Assets explained simply
The Central Allowance Office for Retirement Assets (ZfA) is the authority behind the allowances in the Altersvorsorgedepot. Tasks, processes and what savers need to know, explained concisely.
Switching from Riester to the Altersvorsorgedepot: how it works
How switching from a Riester contract to the Altersvorsorgedepot works from 2027: requirements, costs, timeline, transfer of the allowances, with a step-by-step guide.