First: why a range, not a clean number?
Anyone who promises you an exact figure in 30 years is guessing. Nobody knows future performance. That’s why we work with three scenarios — defensive, balanced, growth-oriented — and show the spread. It’s more honest and helps you decide calmly.
The logic
Your own contribution runs until age 18 at the latest, the state top-up (10 €/month) from 6 to 18. Both stay invested and compound. The state part is locked until retirement (67) — your own part may be available earlier, depending on which goal you chose.
Try it yourself
Open the Frühstart-Rente calculator, set your child’s age and a contribution, pick a goal — and you’ll see the three scenarios side by side. What may surprise you: the difference between 0 €, 25 € and 100 € of your own contribution over many years is substantial. That’s the lever everyone talks about.
My advice
No pressure. Start at a level you can sustain — even in a tough month. 25 € stable beats 100 € with a guilty conscience. You can always adjust later.
Non-binding model calculation, not investment advice. Past or simulated performance is not a reliable indicator of the future.
Non-binding information, not investment advice. Frühstart-Rente draft status 12/2025.