{"id":1779292241,"date":"2026-07-31T09:00:00","date_gmt":"2026-07-31T09:00:00","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/fruehstartrente-e10-a-month-from-the-state-for-children-aged-6-and-up\/"},"modified":"2026-09-24T10:54:18","modified_gmt":"2026-09-24T10:54:18","slug":"fruehstartrente-e10-a-month-from-the-state-for-children-aged-6-and-up","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/fruehstartrente-e10-a-month-from-the-state-for-children-aged-6-and-up\/","title":{"rendered":"Fr\u00fchstartrente: \u20ac10 a month from the state for children aged 6 and up"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1779292241\" class=\"elementor elementor-1779292241 elementor-90105\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3063ca84 e-flex e-con-boxed e-con e-parent\" data-id=\"3063ca84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b5bdc7e elementor-widget elementor-widget-text-editor\" data-id=\"2b5bdc7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"avd-lead\">The Fr\u00fchstartrente (early-start pension for children) is a subsidized securities account of its own for children. The state pays in <strong>\u20ac10 a month<\/strong> from age six until their 18th birthday. It is not the same as the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/child-allowance-in-the-altersvorsorgedepot-e300-per-child-per-year\/\">child allowance<\/a>which flows into the parents&#8217; securities account, but rather a second, separate building block.<br>\nHow the Fr\u00fchstartrente works in practice, who is eligible and what the \u20ac10 can grow into is set out in detail on our <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/wpa-stats\/fruehstartrente\/\">Fr\u00fchstartrente page<\/a>.\n<\/p>\n<aside class=\"avd-callout tldr\"><strong>The key points at a glance:<\/strong>\n<ul>\n \t<li>\u20ac10 a month from the state, with no own contribution from the parents<\/li>\n \t<li>Runs from age 6 until the 18th birthday<\/li>\n \t<li>The securities account belongs to the child, not the parents<\/li>\n \t<li>\u20ac1,440 in state money in total over twelve years<\/li>\n \t<li>Starts on 1 January 2027; no contract can be taken out before that<\/li>\n<\/ul>\n<\/aside>\n<div class=\"avd-toc\">\n<p class=\"avd-toc__title\">Table of contents<\/p>\n\n<ol>\n \t<li><a href=\"\/#was-ist\">What is the Fr\u00fchstartrente?<\/a><\/li>\n \t<li><a href=\"\/#abgrenzung\">The difference from the child allowance<\/a><\/li>\n \t<li><a href=\"\/#rechnung\">What \u20ac1,440 can grow into<\/a><\/li>\n \t<li><a href=\"\/#danach\">What happens at 18<\/a><\/li>\n \t<li><a href=\"\/#personas\">Two examples<\/a><\/li>\n \t<li><a href=\"\/#faq\">Frequently asked questions<\/a><\/li>\n<\/ol>\n<\/div>\n<section id=\"was-ist\">\n<h2>What is the Fr\u00fchstartrente?<\/h2>\nA securities account in the child&#8217;s name into which the state pays \u20ac10 a month. The idea behind it is simple and quite old: anyone who starts saving at six has sixty years ahead of them, and over sixty years compound interest turns small amounts into large ones.\n\nThe subsidy is tied to no income and no own contribution. It is paid for every eligible child, regardless of whether the parents make provision themselves. That sets it apart from every other subsidy in this system.\n\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n\n<strong>Do parents have to pay anything in as well?<\/strong>\nNo. Unlike the basic allowance and the child allowance, there is no minimum own contribution. Payments of your own are possible but not a condition.\n\n<\/div>\n<section id=\"abgrenzung\">\n<h2>The difference from the child allowance<\/h2>\nThe two components have similar names and are constantly mixed up. They work in fundamentally different ways, though.\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th><\/th>\n<th>Fr\u00fchstartrente (early-start pension for children)<\/th>\n<th>child allowance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Whose securities account<\/td>\n<td>the child&#8217;s<\/td>\n<td>the parents&#8217;<\/td>\n<\/tr>\n<tr>\n<td>Amount<\/td>\n<td>\u20ac10 a month<\/td>\n<td>up to \u20ac300 per year per child<\/td>\n<\/tr>\n<tr>\n<td>Own contribution required<\/td>\n<td>no<\/td>\n<td>yes, at least \u20ac300 a year<\/td>\n<\/tr>\n<tr>\n<td>Period<\/td>\n<td>from age 6 to the 18th birthday<\/td>\n<td>as long as there is an entitlement to child benefit<\/td>\n<\/tr>\n<tr>\n<td>Available from<\/td>\n<td>the child&#8217;s retirement age<\/td>\n<td>the parents&#8217; retirement age<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nFamilies can receive both at the same time. One does not rule out the other, and anyone using both routes builds up two pots for two generations in parallel.\n\n<\/section><section id=\"rechnung\">\n<h2>What \u20ac1,440 can grow into<\/h2>\nOver twelve years, \u20ac1,440 of state money accumulates. That sounds like little. What matters, though, is not the sum but the time this money still has ahead of it.\n<table class=\"avd-table\">\n<thead>\n<tr>\n<th>Assumption<\/th>\n<th>Balance at 18<\/th>\n<th>Balance at 67<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>4% per year<\/td>\n<td>around \u20ac2,100<\/td>\n<td>around \u20ac14,400<\/td>\n<\/tr>\n<tr>\n<td>5% per year<\/td>\n<td>around \u20ac2,100<\/td>\n<td>around \u20ac23,000<\/td>\n<\/tr>\n<tr>\n<td>6% per year<\/td>\n<td>around \u20ac2,100<\/td>\n<td>around \u20ac36,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"small muted\">Model calculation excluding costs and taxes, \u20ac10 a month from age 6 to 18, then left untouched until 67. Figures rounded.<\/p>\nThe difference between the three rows is striking. A single percentage point of return changes the outcome over six decades by more than a factor of two. The choice of investment therefore carries more weight in a child&#8217;s securities account than in any other contract. A safety-oriented product is almost always the wrong choice here, because an eight-year-old can sit out any conceivable dip in prices.\n<div class=\"avd-callout\"><strong>If parents top up:<\/strong> An extra \u20ac25 a month over the same twelve years triples the amount paid in. At a 6% return, the securities account would hold around \u20ac128,000 at 67 instead of \u20ac36,500.<\/div>\n<\/section><section id=\"danach\">\n<h2>What happens at 18<\/h2>\nThe state subsidy ends on the 18th birthday. The securities account remains in place and can carry on, from then on as the young adult&#8217;s regular Altersvorsorgedepot (Germany&#8217;s state-subsidized retirement investment account).\n\nThe transition is interesting. Anyone starting out in a job who takes out their own contract can also claim the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/career-starter-bonus-e200-free-for-young-savers\/\">career starter bonus<\/a> of \u20ac200, provided the contract is taken out before their 25th birthday. Whether this bonus also applies to a continued Fr\u00fchstartrente has not yet been finally clarified.\n\n<\/section><section id=\"personas\">\n<h2>Two examples<\/h2>\n<div class=\"avd-persona\">\n\n<strong>The Lorenz family; their daughter Mia turns six in 2027.<\/strong> Mia receives \u20ac10 a month from the state for twelve years. Her parents add nothing. At a 6% return and with the securities account left untouched, there will be around \u20ac36,500 on her 67th birthday, without the family having paid in a single euro.\n\n<\/div>\n<div class=\"avd-persona\">\n\n<strong>The Nowak family, two children, both parents working.<\/strong> They use everything in parallel: two Fr\u00fchstartrente accounts for the children, plus a \u20ac300 own contribution in the mother&#8217;s securities account for the full child allowance of \u20ac600. The outlay is \u20ac25 a month, the state contribution comes to \u20ac990 a year.\n\n<\/div>\n<\/section><section id=\"faq\" class=\"avd-faq\">\n<h2>Frequently asked questions about the Fr\u00fchstartrente<\/h2>\n<details><summary>At what age does the subsidy begin?<\/summary>At six. It ends on the 18th birthday.\n\n<\/details><details><summary>Can parents pay in as well?<\/summary>Yes. Payments of your own are possible and have a very strong effect over the long term. They are not mandatory.\n\n<\/details><details><summary>Can the child access the money at 18?<\/summary>No. This is retirement provision; the capital is tied up until retirement age.\n\n<\/details><details><summary>What about children who are already older than 6 in 2027?<\/summary>They receive the subsidy from 2027 until they turn 18. The period is shortened accordingly.\n\n<\/details><details><summary>Does the Fr\u00fchstartrente replace a children&#8217;s securities account?<\/summary>No, it complements it. A free securities account remains available at any time; the Fr\u00fchstartrente is tied up but subsidized in return.\n\n<\/details><details><summary>Where do you apply for it?<\/summary>Through a provider that offers the product. For the market launch on 1 January 2027 it is not yet settled which firms will take part.\n\n<\/details><\/section>\n<div class=\"avd-callout zwischenfazit\">\n\n<strong>What should you take away?<\/strong>\n\u20ac1,440 of free money with sixty years ahead of it. Here the outcome is decided by the choice of investment, not by the contribution.\n\n<\/div>\n<p class=\"small muted\">Last updated: July 2026. Sources: BMF, German federal government, Bundestag printed paper 21\/4088, Deutsche Rentenversicherung.<\/p>\n\n<section class=\"avd-weiter\">\n<h2>Keep calculating and reading<\/h2>\n<p class=\"avd-weiter__rechner\"><strong><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/fruhstartrente-calculator\/\">Fr\u00fchstartrente calculator<\/a><\/strong> \u2014 project the \u20ac10 state contribution plus your own top-up through to retirement age.<\/p>\n\n<ul class=\"avd-weiter__links\">\n \t<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/child-allowance-in-the-altersvorsorgedepot-e300-per-child-per-year\/\">child allowance<\/a><\/li>\n \t<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/compound-interest-in-the-altersvorsorgedepot-why-starting-early-changes-everything\/\">compound interest<\/a><\/li>\n \t<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/career-starter-bonus-e200-free-for-young-savers\/\">career starter bonus<\/a><\/li>\n<\/ul>\n<p class=\"avd-weiter__zielgruppe\">Related content: <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/altersvorsorgedepot-account-for-families\/\">Altersvorsorgedepot for families<\/a>.<\/p>\n<p class=\"avd-weiter__lexikon\">All terms at a glance: <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/altersvorsorgedepot-glossary-all-terms-from-a-to-z\/\">Glossary from A to Z<\/a>.<\/p>\n\n<\/section><section class=\"avd-sources\">\n<h2>Official sources and further information<\/h2>\n<ul>\n \t<li><a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\" target=\"_blank\" rel=\"external nofollow noopener\">Federal Ministry of Finance, FAQ on the reform of private retirement provision<\/a><\/li>\n \t<li><a href=\"https:\/\/www.bundesregierung.de\/breg-de\/aktuelles\/reform-private-altersvorsorge-2400072\" target=\"_blank\" rel=\"external nofollow noopener\">German federal government, private retirement provision reform<\/a><\/li>\n \t<li><a href=\"https:\/\/www.bundestag.de\/dokumente\/textarchiv\/2026\/kw13-de-altersvorsorge-1156798\" target=\"_blank\" rel=\"external nofollow noopener\">German Bundestag, resolution on the Altersvorsorgedepot (calendar week 13\/2026)<\/a><\/li>\n \t<li><a href=\"https:\/\/dserver.bundestag.de\/btd\/21\/040\/2104088.pdf\" target=\"_blank\" rel=\"external nofollow noopener\">Bundestag printed paper 21\/4088 (PDF)<\/a><\/li>\n \t<li><a href=\"https:\/\/www.deutsche-rentenversicherung.de\/DRV\/DE\/Ueber-uns-und-Presse\/Presse\/Meldungen\/2026\/260508-bundesrat-reform-private-altersvorsorge.html\" target=\"_blank\" rel=\"external nofollow noopener\">Deutsche Rentenversicherung, reform announcement<\/a><\/li>\n \t<li><a href=\"https:\/\/www.test.de\/Altersvorsorgedepot-4910361-0\/\" target=\"_blank\" rel=\"external nofollow noopener\">Stiftung Warentest, Altersvorsorgedepot<\/a><\/li>\n \t<li><a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/geld-versicherungen\/altersvorsorge\/neues-altersvorsorgedepot-rentenchance-oder-teure-verkaufsfalle-118178\" target=\"_blank\" rel=\"external nofollow noopener\">Verbraucherzentrale, the new Altersvorsorgedepot: opportunity or sales trap?<\/a><\/li>\n<\/ul>\n<\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The Fr\u00fchstartrente pays children aged 6 to 18 a monthly \u20ac10 into their own securities account. How it differs from the child allowance, a model calculation to 67 and what happens at 18.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_metasync_otto_title":"","_metasync_otto_description":"","_metasync_otto_keywords":"","_metasync_otto_og_title":"","_metasync_otto_og_description":"","_metasync_otto_twitter_title":"","_metasync_otto_twitter_description":"","rank_math_title":"","rank_math_description":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_aioseo_title":"","_aioseo_description":"","_metasync_seo_title":"","_metasync_seo_desc":"","_metasync_breadcrumb_title":"","_metasync_primary_category":0,"_metasync_primary_product_cat":0,"_metasync_otto_disabled":"","_metasync_hreflang":"","_metasync_plugin_sync_ts":"","_metasync_robots_advanced":"","footnotes":""},"categories":[68],"tags":[69,72],"class_list":["post-1779292241","post","type-post","status-publish","format-standard","hentry","category-what-is","tag-altersvorsorgedepot","tag-child-allowance"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292241","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/comments?post=1779292241"}],"version-history":[{"count":2,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292241\/revisions"}],"predecessor-version":[{"id":1779292585,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292241\/revisions\/1779292585"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779292241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779292241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779292241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}