3 calculators, 3 numbers
Decision paralysis despite information
The market explains the product — but even well-informed savers don't act. Three calculators return three different results, leaving uncertainty instead of a decision.
New from 1 January 2027 · Altersvorsorgedepot
Germany's new Altersvorsorgedepot (the state-subsidised retirement investment account) — understand it, calculate it, decide.
The state-subsidised successor to the Riester-Rente (Germany's existing subsidised private pension) launches in 2027. Vorsorgedepot-Lotse takes you from your first question to a well-founded next step — with clear knowledge, a transparent calculator, and two equally weighted routes: decide for yourself or get neutral advice.
Free · no sign-up required · source-based and neutral
Example calculation+ 24 % vs. without the subsidy
Projected final capital with the state subsidy
184,320 €
without subsidy: 148,900 € · difference +35,420 €
Altersvorsorgedepot (subsidised) ETF savings plan (unsubsidised)
Illustrative example, not a guaranteed return. You can enter your own figures in the calculator.
The last mile
The knowledge exists. The decision doesn't.
What's missing is a path from a number to an action you can trust. That's exactly the gap Vorsorgedepot-Lotse closes.
≈ 10 million Riester holders
Switch or stay? Still unanswered.
By 2027, millions of Riester-Rente savers face the switching question. There's no calculator that honestly weighs existing capital and allowances against a move to the Altersvorsorgedepot — including the cost impact.
10–30 products from 2027
A confusing provider market
Numerous standard products will compete from launch. Which provider fits, and who can you trust? Sales-driven hotlines and pure comparison tools don't answer that.
Our solution: the Lotse
Three layers, one sitting.
“I've heard about the new account” becomes a well-founded next step in a single sitting.
A real calculator
Final capital, a subsidy breakdown and the cost impact — including a “Riester: switch or stay?” comparison and a comparison with an unsubsidised ETF savings plan.
Two equally weighted routes
Decide for yourself and open an account directly with the right neobroker — or talk to an independent adviser first. You choose.
Trust through transparency
Disclosed methodology, subsidy figures backed by the Federal Ministry of Finance (BMF), named authors, and a neutral stance with no sales agenda.
Two equally weighted routes
You decide how to move forward.
Neither route is favoured. Anyone who wants to decide for themselves is taken straight to the right provider. Anyone who wants a conversation is connected with an independent adviser.
Decide for yourself
Open the account yourself
For anyone who wants to compare providers and open an account without a detour.
- Work out your subsidy and switching options yourself
- A neutral, criteria-based provider comparison
- Open an account directly with the neobroker via a tracked link
Compare providers
The provider comparison launches at go-live. Disclosed affiliate links to neobrokers — free for you.
Get advice
Guided to a decision
For anyone who'd rather talk to a person than decide alone.
- A free conversation with an adviser from our network of 1,000+ vetted advisers
- Your calculator context is shared with them in advance
- An appointment and a follow-up — no sales pressure
Referral to a vetted adviser from our independent network of 1,000+ advisers — this is not investment advice from us.
The subsidy calculator
How much Lotse is in your retirement plan?
One consistent calculator for every decision that matters — including the switch-vs-stay delta and a comparison with an unsubsidised ETF savings plan.
- Is switching from Riester to the Altersvorsorgedepot worth it?
- How much state subsidy do I get — allowances and tax benefit included?
- What will each provider cost me over the term?
- Save with a subsidy, or is an unsubsidised ETF savings plan better?
Example resultEmployed · 2 children
Projected final capital with the state subsidy
184,320 €
- Own contribution (example)
- 1,200 €/year
- State allowances
- +990 €/year*
- Tax benefit (example)
- +380 €/year
*€390 basic allowance plus €600 child allowance (2 children) under the enacted Altersvorsorgereformgesetz; the subsidy starts on 1 January 2027.
Calculation result. Not investment advice within the meaning of § 1 (1a) sentence 2 no. 1a KWG.
Why trust us
Guidance with no sales agenda.
“We want to be the central place for everything to do with the Altersvorsorgedepot — with all the information in one spot. Here, readers find independent comparisons of the direct online products, and at the same time a route to personal, local advice. That hybrid approach is unique.”
Tilman FreyenhagenAuthor at Vorsorgedepot-Lotse01
Figures backed by the BMF
Every subsidy, legal and tax figure is backed by an official source and linked. The figures are the final values of the Altersvorsorgereformgesetz promulgated on 29 May 2026.
02
Disclosed methodology
The formulas and assumptions behind the calculator are documented and traceable — no black box, just verifiable logic.
03
Named authors
Content is written under the responsibility of named, qualified authors. Currency and changes are shown on every page.
04
A neutral stance
We don't recommend “the product for you”. Comparisons are criteria-based information; both routes stay equally weighted.
Retirement knowledge
Well-founded knowledge for your retirement planning.
Over 100 in-depth articles on the Altersvorsorgedepot — current, source-backed and written by named authors.
What the AVD is, who receives the subsidy, and what changes compared with the Riester-Rente — concise and source-backed.
Read now →When switching pays off and when it doesn't — with switching costs, the allowance history, and the stay-put scenario.
Read now →The Grundzulage (basic allowance), the Kinderzulage (child allowance) and the career-starter bonus explained clearly — with the final figures from the enacted law.
Read now →
Why now
Get informed early, and start 2027 with every advantage.
The Altersvorsorgedepot launches on 1 January 2027. Anyone who gets informed and takes advice early knows every subsidy and tax benefit from day one — and can use them in full from the very start.