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Altersvorsorgedepot calculator

Saving phase

Person

Marital status

Age in the start year 2027 is 30At least 37 full investment years until age 67

Contribution

Maximum allowance reached

No tax on gains during the saving phase. This lets your investment account grow more.

Riester & Frühstartrente
One-off at the startEnter how much of your Riester or Frühstartrente balance reaches the investment account after any costs. The transferred amount receives no new allowance.

Income & children

~ 34% marginal tax rate
Child allowance

For each child with an entitlement to child benefit (Kindergeld), you get as much child allowance as you pay in yourself, up to €300 a year. This requires at least €120 of your own contributions a year.

Assumptions

Trading fees as an estimated annual total

Result

Account value at retirement€485,192
Wealth over time

Text version of the chart. Total wealth grows from age 30 to age 67, reaching €485,192. Of this, €86,580 is paid-in capital.

Where does your wealth come from?

Text version of the chart. Breakdown of the account value of €485,192.

Government allowances€19,980
Modeled tax deferral €73,594
Unsubsidized contributions €0
Estimated tax refund per year €247

The actual refund may differ significantly.

Invest your tax refundInvest an estimated €247 a year in ETFs for a possible extra €55,913.Open ETF calculator

Retirement

Payout

You can take up to 30% of the capital as a lump-sum withdrawal (equal to €145,557).

Payout plan
Calculation basis

28 years from the start of retirement at age 67

The monthly payment is recalculated every 3 years based on the account value.

Monthly net retirement income€2,323after income tax
Monthly gross retirement income€2,744
€1,300 from statutory pension€1,444 from account
Payout plan until age 9528 years
Monthly payment from age 70*€1,838(+27.3%)
Final payment at age 95 (gross)€28,978
Income taxEstimate for the first year of retirement. The initial gross payment applies for 3 years.15.4%

* Model value based on the assumed return, not a guaranteed payout. Payments are recalculated every 3 years from the remaining account value and can rise or fall. The remaining capital is paid out with the last payment.

Simplified net estimateThe net retirement income shown only takes the estimated income tax into account. Health and long-term care insurance contributions and other possible charges (such as church tax) are not included. Your actual disposable income may therefore be lower.

Deferred taxation applied. Basic tax-free amount (Grundfreibetrag) taken into account. Here, 100.0% of the statutory pension is taxable (pension start in 2064). Pension increases and deductions are not taken into account.

Account value at retirement€485,192