Altersvorsorgedepot calculator
Compare a normal taxable account vs the subsidised Altersvorsorgedepot at the same monthly out-of-pocket contribution.Simplified model — not tax or pension advice.
After exit tax at retirement
Zulagen or tax savings over the period
35% now · 6% at retirement
Compare wealth at retirement when investing the same monthly out-of-pocket amount — taxable brokerage vs the new subsidised retirement depot (from 2027).
| Metric | Normal account | AVD (subsidy) | AVD (tax deduction)Better AVD path |
|---|---|---|---|
| Out-of-pocket / month | 200 | 200 | 200 |
| Total committed | 76,800 | 76,800 | 76,800 |
| State benefit / year | — | 540 | 811 |
| Balance at retirement | 306,782 | 355,851 | 375,956 |
| Tax at exit | 84,259 | 34,722 | 35,955 |
| Net after tax | 268,938 | 321,129 | 340,002 |
Günstigerprüfung
Tax deduction path (Sonderausgaben) is more favourable by 18,873.
The Finanzamt applies a benefit test — you receive whichever AVD path is better for your income.
After-tax portfolio value at your planned retirement age.
Simplified 2027 Altersvorsorgedepot model — not tax or investment advice. Steuer path: BMF Günstigerprüfung (Zulage in depot + reinvested Erstattung, year-by-year toward the €1,800 förderbar cap). Normal depot: Abgeltungsteuer with Teilfreistellung. Vorabpauschale not modelled.