Frühstart-Rente · state-funded from 2027
What could your child’s starting capital become?
Four short steps, an honest result. You see the partial result instantly — the full report arrives by email.
Step 1 of 4
Frühstart-Rente calculator
Gifted by the state
1.440 €
How old is your child today?
The earlier the start, the longer compound interest works for your child.
State top-up: 10 €/month from age 6 to 18.
Under age 6 there is no state top-up yet — it starts at 6. But starting your own depot early already pays off and can later be moved into the Frühstart logic.
Would you like to add something yourself?
Even a small monthly amount noticeably changes the result. 0 € is perfectly fine.
On top of the state top-up — flexible, adjustable anytime.
How should we calculate?
Nobody knows the future. So we use a range — for orientation, not as a promise.
What is the money meant for later?
This doesn’t change your package — it just honestly shows which part is available when.
Your example calculation
Based on your inputs — non-binding, with transparent assumptions.
Gifted by the state
1.440 €
Your total contribution
0 €
Your contribution + state top-up + return over time = possible capital for your child
Possible capital at 67 — in three scenarios
Defensive
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Balanced
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Growth-oriented
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Done — your numbers are unlocked above. ✓
Your report is also on its way (please check your spam folder).
Prefer to talk directly? Book a callNon-binding model calculation, not investment advice. Assumption: your contribution until age 18 at the latest; performance is nominal (before inflation, taxes, costs); past or simulated performance is not a reliable indicator of the future. Frühstart-Rente: draft status 12/2025, planned start 2027 — figures may change.
Prefer to watch?
The Frühstart-Rente explained in 20 seconds.
How we calculate — transparently
What is the Frühstart-Rente?
A planned state subsidy: the state pays 10 €/month into a capital-funded pension depot for children aged 6–18 in school in Germany. Draft status 12/2025, planned start 2027.
Is 10 € from the state enough?
It’s a great, free start (up to 1.440 € over 12 years). The real lever is compound interest over the long term — and a voluntary top-up. That’s exactly what the calculator shows.
What assumptions does it use?
Three nominal return scenarios (4%, 6%, 8% p.a.) as a range, the state’s 10 €/month from age 6–18, and a payout at 67. All figures are non-binding model calculations, not investment advice, and no guarantee.