Frühstart-Rente Calculator: what does €10 a month grow to by your child's retirement?
Under the government bill, the German state is to pay €10 a month into an investment account for your child from their sixth birthday. Calculate what that could grow to by retirement — with or without an extra parental contribution.
Frühstart-Rente is a planned state-subsidized, capital-funded account for children (a bill, not yet passed): from the sixth birthday until adulthood, the German state is to pay in €10 a month, and parents are to be able to top it up voluntarily. From 18 the capital is to be transferable into a certified retirement contract; payout is generally no earlier than age 65. The twelve subsidized years (age 6–18) add up to €1,440 of state payments, which stay invested for decades after.
Simplified model with a constant assumed return, not investment advice. Actual returns fluctuate. The Frühstart-Rente has not been passed yet (government bill, as of September 2026); the subsidy rules may still change.
By age 61, that could grow to roughly €213,384.
Assuming a return of 7% per year, before taxes and fees.
Final capital
€213,384.00
State subsidy (ages 6–18)
€1,440.00
Parental contribution (until 18)
€3,600.00
Returns
€208,344.00
What does this mean for your real wealth?
The Frühstart-Rente is one building block among several. How far state pension, portfolio and other provisions together cover your needs in retirement, the financial plan in Planafolio calculates from your details – for free.
Save the result in your financial planWhat does the result mean?
The final capital shows what the planned state early-start contribution and an optional top-up could grow to by the chosen age – at a constant return and without costs.
Model assumptions
- Subsidy as in the government draft bill (not yet law): a monthly state contribution from the 6th to the 18th birthday, no further payments afterwards.
- The return stays constant for the whole period. Real markets fluctuate; losing years are not part of the model.
- The model runs month by month: capital grows at the equivalent monthly rate, and the contribution is added at the end of each month.
- Taxes on returns (German flat tax, advance lump sum) are not deducted.
- Fund costs, order fees and spreads are not deducted.
- All amounts are nominal. Purchasing power falls with inflation, which the result does not reflect.
How the calculator works
Up to the 18th birthday, the state contribution and the top-up are paid in monthly; after that the capital keeps growing without further payments until the target age.
More on the methodologyWorked example
Example: Frühstart-Rente from the start of the subsidy to retirement
The calculator's default values above: the state pays in every month until the child comes of age, and the parents add a little. After that the account keeps growing without further deposits until retirement.
Inputs
- Child's age today6 years
- Parents' top-up per month€25
- Annual return (assumption)7%
- Payout from age67 years
Calculation
| Contribution phase | 12 years |
|---|---|
| Total state payments | €1,440 |
| Total parents' top-ups | €3,600 |
| Account value at age 18 | €7,751 |
Result
| Account value at age 67 | €213,384 |
|---|
Only €5,040 is paid in; the remaining €208,344 are returns from decades of compounding without further deposits.
The 7% annual return is an assumption, the same default as in the calculator above, not a forecast. Costs, taxes and inflation are not included.
Sources and status
Content reviewed on September 29, 2026.
The calculation is a simplified model under the stated assumptions and is not investment or tax advice.
What can I do?
Plan the early-start pension together with your own retirement provision in the financial plan.
How the Frühstart-Rente works
The essentials of the Frühstart-Rente
Three key facts behind this calculator.
Planned: retroactive from 1 January 2026
From a child's sixth birthday, the state is to pay €10 a month into a capital-funded account — the 2020 birth cohort is to go first. The bill is before the Bundestag and has not been passed yet.
€10 from the state, parents can top up
The €10 a month is what the bill provides for. Parents are to be able to top up the account voluntarily (up to €6,840 a year under the bill) — it isn't required.
Locked until retirement age
Unlike a regular savings plan, the money isn't paid out at 18: it is then only to be transferable into a certified retirement contract and generally paid out no earlier than age 65.
For the full picture — subsidy rules, timeline and pitfalls — see the page on the Altersvorsorgedepot
Frequently asked
Questions about the Frühstart-Rente calculator
The Frühstart-Rente is a planned capital-funded savings account for children: from their sixth birthday until adulthood, the state is to pay in €10 a month, which stays invested and keeps growing until retirement age. It has not been passed yet; the bill has been before the Bundestag since September 2026.
Because, unlike e.g. a regular savings plan, the money isn't paid out at 18 — under the bill it stays locked and can only be transferred into a certified retirement contract. The real compounding effect only plays out over the full horizon to retirement.
The calculator assumes a constant annual return and ignores taxes, fees, or decades of potential changes to the subsidy rules — it's meant for rough orientation, not financial advice.
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