About us
Neutral, source-backed guidance for Germany's new Altersvorsorgedepot.
Vorsorgedepot-Lotse is the knowledge and decision portal for the Altersvorsorgedepot, which launches on 1 January 2027. We take savers from their first question to a decision they can stand behind — no jargon, no sales pressure.
Our mission
We close the last mile between information and decision. There's no shortage of articles and calculators. What's missing is the path from a calculated figure to a decision you can trust. That's the bridge we build: clear, source-backed knowledge, a genuine subsidy-and-switch calculator, and two equally weighted routes to action — open an account yourself, or get neutral advice.
Our vision
Our vision is a central place for comprehensive, reliable information on the Altersvorsorgedepot. Vorsorgedepot-Lotse connects two equally weighted routes: independent, personal advice from licensed AVD specialists for people who want to talk through their situation, and independent self-service product comparisons for people who want to act on their own and don't want advice. This hybrid approach gives orientation in one place and leaves the decision where it belongs — with people.
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-LotseFigures 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.
Disclosed methodology
The formulas and assumptions behind the calculator are documented and traceable — no black box, just verifiable logic.
Named authors
Content is written under the responsibility of named, qualified authors. Currency and changes are shown on every page.
A neutral stance
We don't recommend “the product for you”. Comparisons are criteria-based information; both routes stay equally weighted.
The people behind the content
Our content is written under the responsibility of named authors with verifiable qualifications. Meet the whole editorial team and read the experience they bring to the Altersvorsorgedepot.
You'll also find every author's career and articles in the authors overview.
Who's behind this
Vorsorgedepot-Lotse is offered by SCAILE Technologies GmbH and Alsterspree Verlag GmbH. Full provider details are in the Impressum (legal notice).