Riester Pension Calculator 2026 — Bonus 175 € + 300 €/Child Germany
Riester subsidy 2026 in Germany: 175 € basic allowance plus 300 € per child born from 2008. Get your minimum contribution, subsidy rate and tax benefit.
Total allowances
€175.00/year
Own contribution
€1,425.00/year
(€118.75/month)
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
What is the Riester Pension Calculator 2026 — Bonus 175 € + 300 €/Child Germany?
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 Germany 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
Employee, 40,000 EUR gross, 2 children. Minimum total contribution: 1,600 EUR/year. State allowances: 775 EUR (175 + 300 + 300). Own contribution: 825 EUR/year = 68.75 EUR/month. Subsidy ratio: 94%.
Sources
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.
Reviewed by Konstantin Iakovlev · Last updated:
Finance
Related Calculators
Consumer Loan Calculator
Enter loan amount, rate, term and optional extra repayments to get the monthly payment, total cost and interest, plus a 12-month amortization table.
Interest & Compound Interest Calculator
Enter starting capital, rate, term and an optional monthly deposit to see final balance, total paid in and interest, with yearly or monthly compounding.
Home Purchase Financing Calculator
Enter price, equity, federal state, agent fee, rate and repayment to get purchase costs, loan amount, monthly payment, balance after the fixed-rate period and term.
Compound Interest Calculator
See how a lump sum grows with compound interest: enter capital, rate and term to get the final amount, interest earned and a year-by-year chart and table.