Riester Pension Calculator 2025
🏠 Free ToolCalculate your Riester pension subsidies (€175 basic allowance, up to €300 per child), the tax-deductible amount up to €2,100, and your projected capital after a chosen investment period and return rate.
| Basic Subsidy | €175.00 |
| Child Subsidy (after 2008): 1 x €300.00 | €300.00 |
| Own Contribution | €1,200.00 |
| Total Contribution per Year | €1,675.00 |
| Total Contribution in 25 years | €41,875 |
How it Works
The Riester Pension Calculator helps you quantify the state subsidies for your Riester retirement plan. The tool accounts for the €175 annual basic allowance, child allowances (€300 for children born after 2008, €185 for those born earlier), and the special expense deduction up to €2,100.
The calculator performs a simplified favorability check (Günstigerprüfung): if the tax savings from the special expense deduction exceed the subsidies, it displays the additional tax benefit. This way you can immediately see whether you benefit beyond the subsidies themselves.
Additionally, the tool projects your expected capital at the end of the chosen investment period, factoring in an assumed rate of return. Both your own contributions and state subsidies are included to give a realistic picture of wealth accumulation over time.
Use this calculator alongside the German Income Tax Calculator to see how the special expense deduction affects your tax bill, or with the Wage Tax Calculator for a complete overview of your net earnings.
Frequently Asked Questions
What is the Riester basic allowance in 2025?
The basic allowance (Grundzulage) is €175 per year for every eligible Riester saver, provided the minimum own contribution of 4% of the previous year's gross income (minus subsidies) is paid.
How much is the child allowance for Riester?
For children born after January 1, 2008, the allowance is €300 per year. For children born before 2008, it is €185 per year.
What is the Sonderausgabenabzug for Riester?
Riester contributions (own contributions + subsidies) can be deducted as special expenses up to €2,100 per year. The tax office automatically checks whether the tax saving exceeds the subsidies (Günstigerprüfung).
Is Riester pension still worth it?
Riester is particularly beneficial for families with children (high subsidies), low earners (high subsidy ratio), and high earners (significant tax savings). Individual returns depend on subsidies, tax savings, and product costs.