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Early-Start Pension Calculator

10 € a month from the state, invested until retirement: calculate what the planned Early-Start Pension could grow into for your child.

Free & no sign-upNo data sharingStatus: planned (key points 12/2025)

Planned proposal – not yet law

The Early-Start Pension is only planned so far (German government key points paper of 17 December 2025, planned retroactive start on 1 January 2026). There is no adopted law yet. All results are model calculations and may change with the final version of the law.

Your details

6.0%
€

From 18, private contributions are planned – tax-advantaged, with returns tax-free during the saving phase.

67 years

First eligible cohort: children born in 2020 turn six in 2026 and start as the first group. Up to 12 full years of state funding are possible.

Account value at age 67

€128,350

Total contributed: €16,140of which growth: €112,210

State contributions

€1,440

Private top-ups

€14,700

Account value at age 18

€2,102

Advantage from top-up

€88,889

Account growth over the years

With and without a private top-up

State funding only

€39,462

With €25/month from 18

€128,350

Detailed trajectory

AgeYearContributedGrowthAccount value
72027€120€3€123
82028€240€14€254
92029€360€33€393
102030€480€61€541
152035€1,080€347€1,427
182038€1,440€662€2,102
202040€2,040€965€3,005
252045€3,540€2,257€5,797
302050€5,040€4,523€9,563
352055€6,540€8,104€14,644
402060€8,040€13,457€21,497
452065€9,540€21,200€30,740
502070€11,040€32,168€43,208
552075€12,540€47,485€60,025
602080€14,040€68,669€82,709
652085€15,540€97,767€113,307
672087€16,140€112,210€128,350

Assumptions of this calculation

Model calculation based on the planned Early-Start Pension. State contribution of 10 €/month from age 6 to 18 (rolling start from 2026), monthly compounding at the chosen constant return until retirement. Private top-ups from age 18. Real capital market returns fluctuate and can be negative; taxes and costs are simplified out. All information without guarantee.

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Guide: Early-Start Pension & Saving for Your Child

Background, examples, and strategies around the Early-Start Pension.

Early-Start Pension: What 10 € a Month Really Grows Into by RetirementFeatured article

Early-Start Pension: What 10 € a Month Really Grows Into by Retirement

The complete guide to the planned Early-Start Pension 2026: How the state contributes 10 € a month, what it grows into over 60 years, and what is still uncertain.

2026-07-0212 min read
Birth Year 2020: How the Early-Start Pension Rolls Out – and Who Follows

Birth Year 2020: How the Early-Start Pension Rolls Out – and Who Follows

The first eligible cohort is children born in 2020. We explain the rolling start, open questions about older children, and what parents should know now.

2026-07-027 min read
Compound Interest for Children Explained: Why the Early Years Matter Most

Compound Interest for Children Explained: Why the Early Years Matter Most

60 years of investment time is the real gift of the Early-Start Pension. Here is how compound interest works when a child starts at age 6.

2026-07-027 min read
Early-Start Pension vs. Your Own ETF Savings Plan for a Child: The Honest Comparison

Early-Start Pension vs. Your Own ETF Savings Plan for a Child: The Honest Comparison

State funding with a long lock-up or a flexible ETF savings plan you control? The pros and cons of both routes side by side.

2026-07-028 min read

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Frequently Asked Questions

No. The Early-Start Pension is only planned so far. It is based on the German government's key points paper from 17 December 2025. There is no finished law yet – a retroactive start on 1 January 2026 is planned. All figures in this calculator are based on the currently known key points and may still change with the final version of the law.

The plan is 10 € per month, i.e. 120 € per year, that the state pays into an individual, capital-funded retirement account for the child. Funding runs from age 6 to age 18 – over the full twelve years that adds up to a maximum of 1,440 € in state contributions. What matters for the final result, however, is less this sum than the long investment period until retirement.

The plan is to fund children between 6 and 18 who attend an educational institution in Germany. The start is planned as a rolling one: the first eligible cohort is children born in 2020, who turn six in 2026. Younger children join as soon as they turn 6. Whether and how older children who are already over 6 in 2026 will be included is still open in the final version of the law.

The money is invested in the capital market – the plan is an investment that participates in the development of the capital markets. It is locked until the standard retirement age and cannot be withdrawn before then. This long lock-up is precisely the core of the idea: if a child starts at 6, the capital has around 60 years to grow through compound interest.

Yes, that is planned. From age 18, private top-up contributions into the retirement account should be possible. These private contributions are intended to be tax-advantaged, and the returns during the saving phase should remain tax-free. In our calculator you can set a monthly top-up from age 18 and see immediately how much it lifts the final result.

That depends mainly on the return and the investment period. The state's 10 € a month alone can, at around 6 % return and a start at age 6, grow to a low five-figure amount by age 67 – from a maximum of 1,440 € in contributions. With private top-ups from age 18 it can become a considerably higher amount. Calculate your own scenario with the tool.

Both have pros and cons. The Early-Start Pension adds state money on top plus planned tax advantages, but is locked until retirement. Your own ETF savings plan in the child's name is flexible and available at any time, but receives no state funding. Many families will combine both. You will find a detailed comparison in our guide.

No. The calculator shows a model calculation based on the planned rules and a constant return you choose. Actual capital market returns fluctuate from year to year and can also be negative. In addition, the law has not yet been passed. The results are therefore a guide, not a binding promise – all information without guarantee.