• Basic allowance: 50% of your contributions up to €360 a year plus 25% of your contributions between €360 and €1,800, at most €540.

• Child allowance: up to €300 a year for each child under 18 you receive child benefit for, at most your own contribution per child. We assume the allowance is paid to you.

• Career-starter bonus: a one-off €200 if you are under 25 at the start of the year.

• Subsidies require at least €120 of own contributions a year. You can pay in up to €6,840 a year; subsidies apply to the first €1,800.

You can deduct your contributions (up to €1,800 a year) plus the subsidies as special expenses. The tax office checks automatically whether this saves more tax than the subsidies are worth and refunds the difference via your tax assessment. We estimate this with the 2026 income tax rates, including solidarity surcharge and without church tax. For your income range we take one typical gross income and deduct the standard allowances and the social security contributions of an employee. Your actual tax saving depends on your full tax situation.

Church tax; health and care insurance contributions if you are voluntarily insured; changes in law, contributions, income or family situation; inflation; an earlier payout start if you already receive a statutory pension; subsidies for a spouse without own eligibility; a second contract; existing Riester contracts (opening an Altersvorsorgedepot applies the new rules to all your contracts).

The results of this calculator are non-binding estimates for illustrative purposes only and do not constitute tax, legal or investment advice.

The possible tax benefit is calculated on the following assumptions:

• Tax rates: the progressive income tax rates applicable for 2026 (§ 32a EStG). Tax rates, allowances and thresholds may change in future years, so your actual tax benefit may differ from this estimate.

• Taxable income: estimated from the gross income range you select, minus standard deductions only: the employee lump-sum allowance, the lump-sum allowance for special expenses and contributions to mandatory social insurance (pension, health, long-term care [and unemployment] insurance). Individual income-related expenses, special depreciation, extraordinary burdens and other individual deductions are not taken into account.

• No other income: we assume you have no income other than your employment income, such as rental income, income from self-employment or other income subject to the progressive income tax rates or the progression clause (Progressionsvorbehalt).

Your actual tax situation may differ significantly from these assumptions. The final tax benefit is determined only by your tax office in your income tax assessment. We accept no liability for the accuracy or completeness of the results. For an individual assessment, please consult a tax advisor.