AV-Depot Subsidy Calculator · rules 2027

Germany might add money to your retirement savings. How much?

From 1 January 2027 the state adds a subsidy to what eligible savers pay into the new Altersvorsorgedepot. Enter a monthly amount to see how the schedule works. Whether you qualify depends on the official eligibility rules.

Do you know that you’re eligible?
The detailed eligibility rules are not modelled here. Ask the provider or check the official rules.
€
Usually the children you get child benefit (Kindergeld) for.
Your age when you sign

Illustration of the statutory schedule

What the state could add per year
€0

That is —.

You pay in per year€0
50 cents per euro on the first €360€0
25 cents per euro from €360 to €1,800€0
Basic subsidy (max €540)€0
Child allowance (€300 per child)€0
Starter bonus€0One-off, for a first contract signed before 25

An illustration of the subsidy rules in the official summary of the reform. It does not confirm that you are eligible and is not advice on whether this product suits you.

Rules year: 2027 (new contracts from 1 January 2027)Last checked:
Assumptions and limits
  • Eligibility is your own answer. Detailed eligibility rules, timing of payments and clawbacks are not modelled.
  • Child allowance below €25 a month: not described in the source, shown as not known.
  • Investment growth, product costs and the taxation of payouts are not part of this estimate.
How it is calculated
  • First €360 you pay in per year: 50 cents per euro (up to €180).
  • From €360 to €1,800: 25 cents per euro (up to €360). Basic subsidy at most €540.
  • Children: €300 per child per year, in full from €25 a month of your own money. Below that the official summary gives no amount, so we show “not known”.
  • Under 25 when you sign: a one-off €200 bonus, once in a lifetime and subject to the detailed rules.
  • Up to €6,840 a year may be paid in. Amounts above €1,800 earn no subsidy.
Official sources
  1. Your contributionUp to €6,840 a year; subsidy on the first €1,800.
  2. State subsidyBasic subsidy up to €540, plus €300 per child.
  3. InvestedInside a certified Altersvorsorgedepot from 2027.
  4. RetirementPaid out under the product’s retirement rules.
How money flows through an Altersvorsorgedepot. Subsidy amounts: Bundesregierung, 1 June 2026. Access before retirement and payout taxation are not covered here.

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The Altersvorsorgedepot, explainedHow the German state pension worksRetirement Gap calculator

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