Projected Balance at 67
EURNaN
Your Annual Contribution
EURNaN
Annual State Subsidy
EURNaN
Total Annual Payment
EURNaN
Estimated Monthly Pension
EURNaN
Riester-Renten-Rechner — Gross Annual Income (€) ₹1,00,000
With gross annual income (€) of ₹1,00,000, the projected balance at 67 is EUR78,861.
Your pensionable gross income for calculating 4% minimum contribution
€300/year subsidy per child born after 2008
Conservative: 2–3% for insurance products, up to 6% for fund-based contracts
Your Annual Contribution
EUR1,525
Annual State Subsidy
EUR475
Total Annual Payment
EUR2,000
Projected Balance at 67
EUR75,106
Estimated Monthly Pension
EUR313
State subsidy: €175 base + €300 per child (born after 2008). Maximum total contribution for full subsidy is €2,100/year. Pension projection assumes level annual payments and constant return. Does not model mortality tables or annuity rates.
What is the Riester-Renten-Rechner?
The Riester-Rente is a German state-subsidised private pension scheme. To receive the full annual subsidy (Grundzulage €175 + Kinderzulage €300 per child), you must contribute at least 4% of your previous year's gross income — up to a maximum of €2,100. Contributions and subsidies grow tax-deferred; withdrawals in retirement are taxed as income.
Formula
Own contribution = max(€60, min(4% × gross income − subsidy, €2,100 − subsidy)). State subsidy = €175 + €300 × children. Projected balance = total annual payment × ((1+r)^n − 1) ÷ r × (1+r).- P_total
- = Total annual payment (own contribution + state subsidy)
- r
- = Annual return rate
- n
- = Years to retirement
How to use the Riester-Renten-Rechner
- 1
Step 1
Enter your gross annual income.
- 2
Step 2
Enter the number of children eligible for Kinderzulage.
- 3
Step 3
Set your expected annual investment return.
- 4
Step 4
Enter years until you plan to retire at age 67.
- 5
Step 5
Review your subsidy, own contribution, and projected balance.
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Frequently asked questions
How much is the Riester subsidy in 2025?
The base subsidy (Grundzulage) is €175/year. Each eligible child born after 2008 adds €300/year. To receive the full subsidy, you must contribute at least 4% of your prior-year gross income minus the subsidy.
Is the Riester-Rente still worth it in 2025?
Riester is most beneficial for families with children (high subsidies) and employees with high marginal tax rates who can deduct contributions up to €2,100. Low earners with children benefit most from the guaranteed subsidy.
Can I cancel my Riester contract?
Yes, but you must repay all received subsidies and tax deductions. Alternatively, you can reduce contributions to the minimum €60/year to keep the contract dormant.
Sources
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