Riester Pension Calculator
Calculate allowances and tax benefits of the Riester pension. Including child allowance and special expense deduction.
Total allowances
175,00 €/Jahr
Own contribution
1.425,00 €/Jahr
(118,75 €/Monat)
Subsidy rate
33,7%
Zulagen-Übersicht
Special expenses deduction
Hinweis: Der Mindesteigenbeitrag beträgt 4% des Brutto-Vorjahreseinkommens abzüglich der Zulagen, mindestens jedoch 60 EUR pro Jahr. Der maximale förderfähige Gesamtbeitrag liegt bei 2.100 EUR.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
Is a Riester pension still worthwhile?
Riester can be worthwhile for families with children (300 euros bonus per child) and high earners benefiting from the tax deduction. However, high costs and rigid payout rules have drawn criticism.
How much do I need to contribute to a Riester pension?
To receive the full government bonus (175 euros basic plus 300 per child), you must contribute 4% of your previous year's gross income minus the bonuses, with a minimum of 60 euros per year.
What is the Riester Pension Calculator?
The Riester calculator computes the state subsidies (allowances and tax savings) and the potential supplementary pension from a Riester contract.
How does the Riester Pension Calculator work?
Enter your gross income and number of children. The calculator determines the minimum own contribution (4% of prior-year gross, max. 2,100 euros less allowances) and the allowances. Tax savings are computed via the special expense deduction.
Key Data and Facts
Basic allowance: 175 euros/year. Child allowance: 300 euros/year (children born from 2008). Max. special expense deduction: 2,100 euros. Riester reform announced from 2026.
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