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.
FAQ
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.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
Quick Answer
The Riester calculator computes the state subsidies (allowances and tax savings) and the potential supplementary pension from a Riester contract.
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 your Riester subsidy step by step: 1. Determine the previous year's gross income: this is the basis for the minimum personal contribution. 2. Calculate the minimum personal contribution: 4 % of the previous year's gross income minus allowances, at least 60 EUR/year (base amount). 3. Determine the allowances: basic allowance of 175 EUR/year per eligible person. Child allowance of 300 EUR/year per child (born from 2008), 185 EUR for older children. 4. Check the tax saving: Riester contributions (including allowances) are deductible as special expenses up to 2,100 EUR. The tax office automatically checks whether the allowances or the tax advantage is more favourable (Guenstigerpruefung). 5. Calculate the net contribution: personal contribution minus the tax saving. Example: an employee, 40,000 EUR gross, married, 2 children (born 2015 and 2018). Minimum personal contribution: 4 % x 40,000 = 1,600 EUR. Allowances: 175 + 300 + 300 = 775 EUR. Personal contribution: 1,600 - 775 = 825 EUR = 68.75 EUR/month. Special expense deduction: 1,600 EUR. Tax saving (at a 30 % marginal tax rate): 480 EUR minus 775 EUR in allowances = the allowances are more favourable. Effective subsidy rate: 775 / 825 = 94 % subsidy on the personal contribution.
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 %.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
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