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.
Age, return, and income for timeline and tax estimates.
Used for the Sonderausgabenabzug path. Defaults from your gross income and tax class.
Used for exit tax on subsidised AVD balances. Defaults from your estimated statutory pension.
Sets Teilfreistellung on Abgeltungsteuer (normal account and unsubsidised AVD gains).
Seed all scenarios with your current savings balance.
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.