Quick answer
What changes about saving for old age in 2027?
From 2027 there are new rules. The most important points in two minutes.
From 1 January 2027 there is a new way to save for old age with help from the state. Your money can be invested in many companies at once. A guarantee is no longer required.
The state adds money: 50 cents for every euro up to €360 a year, then 25 cents per euro up to €1,800.
- Up to €540 top-up a year
- Up to €300 extra per child
- Standard account: at most 1% costs
- Old Riester contracts carry on
General information based on the law. Not personal advice and not a promise.
How much could add up for you?
More settingsFor everyone who wants more detail.
For example, once you earn more after your training.
At this age you stop saving. From then on, the money is paid out to you. The law usually allows this from age 65.
Money you have already saved for old age and invest from the start.
How much your money grows on average per year, before costs. Pick what suits you: if you have plenty of time and stay calm when things go up and down, you can expect a bit more. If you prefer it steady, a bit less. We calculate with 6%.
This is what the provider takes from your money every year. 1% means: €10 a year for every €1,000.
You pay in a little more every year – for example because your salary goes up.
Most things get more expensive over time. We use this value to work out what your money will be worth later. The European Central Bank (ECB) aims for inflation of 2% a year – that is why we calculate with 2%.
2 % is the official target of the European Central Bank.
Not included: taxes and one-off costs when signing up. The payout in old age is only a rough estimate. How exactly we calculate
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