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Germany Retirement Calculators

Free, localized retirement planning tools updated for the 2026 financial year in Germany.

German retirement policy is mid-rebuild, and these tools track its moving parts. The Frühstart-Rente pays €10 a month into a locked, market-invested depot for children aged 6 to 18 from 2026, a compounding lesson that grows 25-fold by retirement. The Altersvorsorgedepot replaces Riester for new contracts from January 2027, with up to €540 Grundzulage plus €300 per child and no capital guarantee dragging returns into bonds. And the KVdR 9/10-rule checker answers the question that quietly decides decades of health-insurance costs for freelancers with mixed PKV/GKV histories.

Available calculators

Calculator

Frühstart-Rente Growth Projector

Project the future value of Germany's Frühstart-Rente, where the government contributes €10/month starting between ages 6 and 17 until age 18.

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Calculator

KVdR 9/10 Rule Eligibility Calculator

Calculate your Krankenversicherung der Rentner (KVdR) eligibility. Model GKV vs PKV years, check the 9/10 rule, and apply children's credits.

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Calculator

Germany Altersvorsorgedepot (Riester Replacement) Calculator (2027)

Calculate your state subsidies (Grundzulage & Kinderzulage) and projected ETF balance under Germany's 2027 Altersvorsorgedepot.

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Government-Sourced DataAll calculators built from official regulatory sources by Galvin Mendonca, Software Engineer & Founder
Source links and illustrative assumptions appear on this page. Last reviewed July 2026.

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