Frühstart-Rente Calculator: what does €10 a month grow to by your child's retirement?
From a child's sixth birthday, the German state pays €10 a month into their own investment account. Calculate what that could grow to by retirement — with or without an extra parental contribution.
Simplified model with a constant assumed return, not investment advice. Actual returns fluctuate, and the exact subsidy rules may still change.
By age 61, that could grow to roughly €377,616.00.
Assuming a return of 7% per year, before taxes and fees.
Final capital
€377,616.00
Total state subsidy
€7,320.00
Total parental contribution
€18,300.00
Returns
€351,996.00
How the Frühstart-Rente works
The essentials of the Frühstart-Rente
Three key facts behind this calculator.
Launches retroactively on 1 January 2026
From a child's sixth birthday, the state pays €10 a month into their own capital-funded account — the 2020 birth cohort goes first.
€10 from the state, parents can top up
The €10 a month is guaranteed. Parents can top up the account with their own contributions at any time — though it isn't required.
Locked until retirement
Unlike a regular savings plan, the money isn't paid out at 18: it stays locked and converts into a regular Altersvorsorgedepot instead.
For the full picture — subsidy rules, timeline and pitfalls — see our page on the Altersvorsorgedepot
Frequently asked
Questions about the Frühstart-Rente calculator
The Frühstart-Rente is a capital-funded savings account for children: from their sixth birthday, the state pays in €10 a month, which stays invested and keeps growing until retirement.
Because, unlike e.g. a regular savings plan, the money isn't paid out at 18 — it stays locked and automatically converts into a regular Altersvorsorgedepot. 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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