Riester Pension kalkylator.
Beräkna your state allowances and tax savings. Find your optimal Riester contribution.
35.0%
Riester Pension 2025: Är It Still Worth It?
Den 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 år plus 300 euros per child (born after 2008) or 185 euros (born before 2008). För families with children, this alone provides significant returns.
Skatt Advantage
Din Riester contributions (up to 2,100 euros/year) are tax-deductible as special expenses. Den tax office automatically checks whether allowances or tax deduction is more beneficial for you.
Den Automatic Förmån Check
Den 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.
More Helpful Calculators & Guides
Sources & References (2025)
All calculations are based on the official legal provisions for 2025. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.