Riester Pension Calculator 2026 — Bonus 175 € + 300 €/Child
Calculate Riester subsidy and minimum contribution: 175 € basic bonus + 300 € per child (born after 2008). Min 4% of gross pay. Tax benefit included.
Total allowances
175,00 €/Jahr
Own contribution
1.425,00 €/Jahr
(118,75 €/Monat)
Subsidy rate
33,7%
Allowance overview
Special expenses deduction
Note: The minimum own contribution is 4% of the previous year's gross income minus allowances, but at least EUR 60 per year. The maximum eligible total contribution is EUR 2,100.
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 2026 — Bonus 175 € + 300 €/Child?
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 2026 — Bonus 175 € + 300 €/Child 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.
Step-by-Step Guide
How to calculate Ihre Riester-Foerderung step by step: 1. Bruttoeinkommen des Vorjahres determine: Dieses ist Basis fuer den Mindesteigenbeitrag. 2. Mindesteigenbeitrag calculate: 4 % des Vorjahresbruttos minus Zulagen, mindestens 60 EUR/year (Sockelbeitrag). 3. Zulagen bestimmen: Grundzulage 175 EUR/year pro foerderberechtigter Person. Kinderzulage 300 EUR/year pro Kind (ab 2008 geboren), 185 EUR fuer aeltere Kinder. 4. Steuerersparnis pruefen: Riester-Beitraege (inkl. Zulagen) bis 2.100 EUR als special expenses (Sonderausgaben) absetzbar. Das Finanzamt prueft automatisch, ob Zulagen oder Steuervorteil guenstiger sind (Guenstigerpruefung). 5. Nettobeitrag calculate: Eigenbeitrag minus Steuerersparnis. Beispiel: Angestellte, 40.000 EUR gross, verheiratet, 2 Kinder (geb. 2015 und 2018). Mindesteigenbeitrag: 4 % x 40.000 = 1.600 EUR. Zulagen: 175 + 300 + 300 = 775 EUR. Eigenbeitrag: 1.600 - 775 = 825 EUR = 68,75 EUR/month. Sonderausgabenabzug: 1.600 EUR. Steuerersparnis (bei 30 % marginal tax rate): 480 EUR minus 775 EUR Zulagen = Zulagen guenstiger. Effektive Foerderquote: 775 / 825 = 94 % Foerderung auf den Eigenbeitrag.
Calculation Example
Angestellte, 40.000 EUR gross, 2 Kinder. Mindesteigenbeitrag: 1.600 EUR/year. Zulagen: 775 EUR (175 + 300 + 300). Eigenbeitrag: 825 EUR/year = 68,75 EUR/month. Foerderquote: 94 %.
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