Learn
Everything important, simply explained
Short texts in plain language. Each one says when it was written and where the information comes from.
Quick answers
The most common questions – answered in two minutes.
What changes about saving for old age in 2027?
From 2027 there are new rules. The most important points in two minutes.
How could my savings grow?
Try out what saving, time and costs do.
What extra money is there for families?
From 2027 there is up to €300 extra per child – even for small amounts.
What is an Altersvorsorgedepot?
The new way to save for old age from 2027.
What matters more: saving more or starting earlier?
Work out for yourself what time and amount each do.
What should I watch out for with costs and risks?
Costs are certain. Profits are not.
The basics
The most important things first.
Private pension saving explained simply
When you are old and no longer work, you get a pension – but often less money than before. That is why you put some of your own money aside today for later.
5 min read
The basicsThe pension gap and how much you need to save
When you are old, you need money to live on. The pension gap is what you are missing if you later get less than you need.
4 min read
The basicsInflation and purchasing power
Most things get more expensive over time. That is why the same money will buy you less later than it does today.
4 min read
New from 2027
What is changing.
The reform of private pension saving from 2027
From 2027, new rules apply to how the state helps you save for old age. Here you can see what changes and what is not yet settled.
6 min read
New from 2027The retirement savings account (Altersvorsorgedepot)
The retirement savings account is like a savings account for old age in which your money is put into many companies. That way it can grow more strongly – but it can also become less.
5 min read
New from 2027What happens to existing Riester contracts?
If you already have an old savings contract for your old age, you can simply keep it. From 2027 you may switch to the new rules – but then there is no way back.
5 min read
New from 2027Payout phase and taxation
When you are old, you get your saved money back bit by bit. You have to hand over part of what you then receive to the state as tax.
5 min read
New from 2027Frequently asked questions about the reform
From 2027, new rules apply to saving for old age. Here you will find short answers to the questions that are asked most often.
4 min read
Money from the state
Who gets how much on top.
Understanding the state subsidy
If you save for old age, the state adds money on top. Here you can see how much.
6 min read
Money from the stateChild allowances and possible subsidy conditions
For each child you get child benefit for, the state adds exactly as much as you save for old age yourself – at most €300 a year. Here you can read what you need to do for it.
4 min read
Investing money
How money can grow – and what it costs.
ETFs and funds in pension saving
A fund is like a big basket into which many people put money to buy small pieces of many companies. If one company does badly, only a small part is affected.
5 min read
Investing moneyGuarantees and their effects
A guarantee promises you that a fixed part of the money you paid in will safely be there at the end. In return, your money can usually grow less strongly.
4 min read
Investing moneyCosts and fees
Looking after your money comes with a small fee – as with anything where someone does work for you. An adviser can show you exactly how much it is for your offer.
5 min read
Investing moneyRisks of capital market investments
Money in shares moves up and down from time to time – that is simply part of it. If you spread it over many companies and give it time, the journey becomes much calmer. Time and spreading are your best helpers.
5 min read
For families and employees
What matters most for you.
Pension saving for families
Parents get extra money from the state for each child when they save for old age. That is why it pays off even with small amounts.
4 min read
For families and employeesPension saving for employees
If you work as an employee, you can collect money for old age in three ways: through the state pension, through your company and by yourself. Here you can see how these fit together.
4 min read
How we calculate
Where our numbers come from.
How does our retirement savings calculator work?
You enter how much you save each month and for how long. The calculator shows you how much that could turn into – but it cannot see into the future.
4 min read
How we calculateWhat assumptions are behind our calculations?
Our calculator combines two things: fixed rules from the law – for example how much the state adds – and assumptions such as the return, which nobody knows for certain. Here we show you everything so that you can check how it reaches its result.
5 min read
Work out your own example.
Free and without sign-up. You see at once what changes.