Riester Pension Calculator.
Calculate your state allowances and tax savings. Find your optimal Riester contribution.
Riester Pension 2026: Is It Still Worth It?
The Riester pension is a state-subsidized private retirement provision. You pay in your own contributions and receive state allowances plus a possible tax advantage. Whether Riester is worthwhile depends on your individual situation.
State Allowances
You receive a basic allowance of 175 euros per year plus 300 euros per child (born after 2008) or 185 euros (born before 2008). For families with children, this alone provides significant returns.
Tax Advantage
Your Riester contributions (up to 2,100 euros/year) are tax-deductible as special expenses. The tax office automatically checks whether allowances or tax deduction is more beneficial for you.
The Automatic Benefit Check
The tax office performs an automatic benefit check (Günstigerprüfung): You receive either the Riester allowances or the tax deduction - whichever gives you more money. This means Riester is always beneficial for those who qualify.
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Sources & References (2026)
All calculations are based on the official legal provisions for 2026. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.