{"id":1779292560,"date":"2026-06-30T09:09:16","date_gmt":"2026-06-30T09:09:16","guid":{"rendered":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/uncategorized-en-us\/child-allowance-in-the-altersvorsorgedepot-e300-per-child-per-year\/"},"modified":"2026-09-24T10:53:59","modified_gmt":"2026-09-24T10:53:59","slug":"child-allowance-in-the-altersvorsorgedepot-e300-per-child-per-year","status":"publish","type":"post","link":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/child-allowance-in-the-altersvorsorgedepot-e300-per-child-per-year\/","title":{"rendered":"Child allowance in the Altersvorsorgedepot: \u20ac300 per child per year"},"content":{"rendered":"<p class=\"avd-lead\"> From 2027 the child allowance in the <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/altersvorsorgedepot\/\">Altersvorsorgedepot<\/a> will be <strong>\u20ac300 per year for each child you receive child benefit for<\/strong>. It is paid on top of the basic allowance and is granted in full even for very small own contributions. <\/p>\n<aside class=\"avd-callout tldr\">\n<p><strong>The key points at a glance:<\/strong><\/p>\n<ul>\n<li>\u20ac300 per child per year from the state<\/li>\n<li>The \u20ac300 cap applies per child, not in total<\/li>\n<li>Requirement: an existing child benefit entitlement<\/li>\n<li>Assigned to the mother by default, transferable<\/li>\n<li>On top of the basic allowance and the career starter bonus<\/li>\n<\/ul>\n<\/aside>\n<div class=\"avd-toc\">\n<p class=\"avd-toc__title\">Table of contents<\/p>\n<ol>\n<li><a href=\"\/#was-ist\">What is the child allowance?<\/a><\/li>\n<li><a href=\"\/#wer\">Who gets it?<\/a><\/li>\n<li><a href=\"\/#wie-funktioniert\">How does the child allowance work?<\/a><\/li>\n<li><a href=\"\/#wie-viel\">How much does it add up to in the end?<\/a><\/li>\n<li><a href=\"\/#warum\">Why does the child allowance exist?<\/a><\/li>\n<li><a href=\"\/#faq\">Frequently asked questions<\/a><\/li>\n<\/ol>\n<\/div>\n<section id=\"was-ist\">\n<h2>What is the child allowance?<\/h2>\n<p> A <strong>direct government payment<\/strong> for parents who pay into an Altersvorsorgedepot (Germany&#8217;s state-subsidized retirement investment account). For each child for whom child benefit is received, <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/blog\/child-allowance-in-the-altersvorsorgedepot-who-receives-the-e300-per-child\/\" data-wpil-monitor-id=\"2\">\u20ac300 a year<\/a> flows into the securities account on top. <\/p>\n<\/section>\n<section id=\"wer\">\n<h2>Who gets the child allowance?<\/h2>\n<ul>\n<li>Parents eligible for the subsidy who hold a certified Altersvorsorgedepot.<\/li>\n<li>At least one parent has to pay in own contributions.<\/li>\n<li>There has to be a child benefit entitlement for the child (normally up to 18, or up to 25 while in training).<\/li>\n<\/ul>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>Is a small own contribution really enough?<\/strong><br \/>Just \u20ac25 per month is enough to secure the full child allowance. Families benefit above average.<\/p>\n<\/div>\n<section id=\"wie-funktioniert\">\n<h2>How does the child allowance work?<\/h2>\n<p> On the first application the allowance is automatically assigned to the mother. Parents can apply jointly each year to have it credited to the father&#8217;s securities account instead. The <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/zfa-the-central-allowance-office-for-retirement-assets-explained-simply\/\" data-wpil-monitor-id=\"3\">Zentrale Zulagenstelle f\u00fcr Altersverm\u00f6gen<\/a> (ZfA) cross-checks this with the family benefit office and credits the amount directly to the securities account. <\/p>\n<div class=\"avd-callout\">\n<strong>Example:<\/strong> A family with two children, both parents have a securities account. The mother pays in \u20ac25 \/ month \u2192 \u20ac300 own contribution \u2192 full child allowance of \u20ac600 (2 \u00d7 \u20ac300). Plus 50% <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/basic-allowance-in-the-altersvorsorgedepot-up-to-e540-per-year-from-the-state\/\" data-wpil-monitor-id=\"1\">basic allowance<\/a> = \u20ac150. Total: <strong>\u20ac750 from the state on a payment of \u20ac300<\/strong>. <\/div>\n<\/section>\n<section id=\"wie-viel\">\n<h2>How much does it add up to in the end?<\/h2>\n<p> Parents with two children who receive the child allowance for 18 years collect, through this allowance alone, <strong>\u20ac10,800<\/strong> in their securities account. At a 6% return over the 40 years until retirement begins, that grows to around <strong>\u20ac40,000<\/strong>. <\/p>\n<div class=\"avd-callout\">\n<p><strong>Calculation for your family:<\/strong> Enter the number of children, your income and your contribution into our <a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/altersvorsorgedepot-calculator-extended\/\">AVD calculator<\/a> and see the total family subsidy at a glance.<\/p>\n<\/div>\n<\/section>\n<section id=\"warum\">\n<h2>Why does the child allowance exist?<\/h2>\n<p> Families are meant to be relieved directly. Especially for low-earner parents with small own contributions, the child allowance acts as an <strong>extremely powerful lever<\/strong> on the subsidy rate: with two children, an own contribution of just \u20ac300 can trigger an allowance of \u20ac750, an effective doubling of the amount saved by the state. <\/p>\n<\/section>\n<section id=\"personas\">\n<h2>Model calculations from families<\/h2>\n<div class=\"avd-persona\">\n<p><strong>The Bauer family (3 children, Sandra pays in \u20ac25\/month).<\/strong> Own contribution \u20ac300\/year. Basic allowance \u20ac150 + 3 \u00d7 \u20ac300 child allowance = <strong>\u20ac1,050 in government subsidy<\/strong> on \u20ac300 of your own money. Subsidy rate 350%.<\/p>\n<\/div>\n<div class=\"avd-persona\">\n<p><strong>Several birth cohorts:<\/strong> Children born before 1 January 2008 still bring the old Riester child allowance of \u20ac185; in the new Altersvorsorgedepot from 2027 a uniform \u20ac300 counts per child you receive child benefit for.<\/p>\n<\/div>\n<\/section>\n<section class=\"avd-faq\" id=\"faq\">\n<h2>Frequently asked questions about the child allowance<\/h2>\n<details>\n<summary>What happens if I pay in nothing?<\/summary>\n<p>Without an own contribution there is no allowance.<\/p>\n<\/details>\n<details>\n<summary>Do I also get the allowance in blended families?<\/summary>\n<p>Yes, provided there is a child benefit entitlement for the child. The allowance goes to the parent who receives the child benefit.<\/p>\n<\/details>\n<details>\n<summary>Does the child allowance come on top of the Fr\u00fchstart-Rente?<\/summary>\n<p>No, the Fr\u00fchstart-Rente is the child&#8217;s own securities account with its own subsidy (\u20ac10 per month). The child allowance goes into the parents&#8217; securities account.<\/p>\n<\/details>\n<details>\n<summary>What happens if the child takes a break after school?<\/summary>\n<p>If the child benefit entitlement is suspended (e.g. a gap year that does not count), the child allowance is lost for that year as well.<\/p>\n<\/details>\n<details>\n<summary>Can I change the allowance retroactively?<\/summary>\n<p>The assignment between mother and father can be changed each year. A retroactive change for past years is not possible.<\/p>\n<\/details>\n<details>\n<summary>What if the parents separate?<\/summary>\n<p>The child allowance follows the child benefit entitlement, usually with the parent providing the main care.<\/p>\n<\/details>\n<\/section>\n<div class=\"avd-callout zwischenfazit\">\n<p><strong>How much adds up in the end for the children?<\/strong><br \/>Over 18 years the child allowance adds up to \u20ac10,800 per child, and with compounding almost \u20ac40,000 over a long investment horizon.<\/p>\n<\/div>\n<p class=\"small muted\">Last updated: June 2026. Sources: BMF, German federal government, Bundestag printed paper 21\/4088.<\/p>\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\/altersvorsorgedepot-calculator-extended\/\">Altersvorsorgedepot calculator Plus<\/a><\/strong> \u2014 calculate the subsidy, tax advantage and final balance for your own situation.<\/p>\n<ul class=\"avd-weiter__links\">\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/minimum-own-contribution-e120-a-year-keeps-the-subsidy-alive\/\">minimum own contribution<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/was-ist\/fruehstart-rente\/\">Fr\u00fchstart-Rente (early-start pension for children)<\/a><\/li>\n<li><a href=\"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/what-is\/more-favourable-treatment-check-allowance-or-tax-deduction-the-tax-office-decides\/\">G\u00fcnstigerpr\u00fcfung (more-favourable-treatment check)<\/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<\/section>\n<section class=\"avd-sources\">\n<h2>Official sources and further information<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/FAQ\/reform-der-privaten-altersvorsorge.html\" rel=\"external nofollow\" target=\"_blank\">Federal Ministry of Finance, FAQ on the reform of private retirement provision<\/a><\/li>\n<li><a href=\"https:\/\/www.bundesregierung.de\/breg-de\/aktuelles\/reform-private-altersvorsorge-2400072\" rel=\"external nofollow\" target=\"_blank\">German federal government, private retirement provision reform<\/a><\/li>\n<li><a href=\"https:\/\/www.bundestag.de\/dokumente\/textarchiv\/2026\/kw13-de-altersvorsorge-1156798\" rel=\"external nofollow\" target=\"_blank\">German Bundestag, resolution on the Altersvorsorgedepot (calendar week 13\/2026)<\/a><\/li>\n<li><a href=\"https:\/\/dserver.bundestag.de\/btd\/21\/040\/2104088.pdf\" rel=\"external nofollow\" target=\"_blank\">Bundestag printed paper 21\/4088 (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.deutsche-rentenversicherung.de\/DRV\/DE\/Ueber-uns-und-Presse\/Presse\/Meldungen\/2026\/260508-bundesrat-reform-private-altersvorsorge.html\" rel=\"external nofollow\" target=\"_blank\">Deutsche Rentenversicherung, reform announcement<\/a><\/li>\n<li><a href=\"https:\/\/www.test.de\/Altersvorsorgedepot-4910361-0\/\" rel=\"external nofollow\" target=\"_blank\">Stiftung Warentest, Altersvorsorgedepot<\/a><\/li>\n<li><a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/geld-versicherungen\/altersvorsorge\/neues-altersvorsorgedepot-rentenchance-oder-teure-verkaufsfalle-118178\" rel=\"external nofollow\" target=\"_blank\">Verbraucherzentrale, the new Altersvorsorgedepot: opportunity or sales trap?<\/a><\/li>\n<\/ul>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Child allowance in the Altersvorsorgedepot from 2027: \u20ac300 per child per year, from an own contribution of just \u20ac25 a month. Requirements, examples, comparison with Riester.<\/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":[69,73,74],"class_list":["post-1779292560","post","type-post","status-publish","format-standard","hentry","category-what-is","tag-altersvorsorgedepot","tag-basic-allowance","tag-special-expenses-deduction"],"_links":{"self":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292560","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=1779292560"}],"version-history":[{"count":0,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/posts\/1779292560\/revisions"}],"wp:attachment":[{"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/media?parent=1779292560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/categories?post=1779292560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altersvorsorgedepot-anbieter-vergleich.de\/en\/wp-json\/wp\/v2\/tags?post=1779292560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}