Early-start pension calculator
Early-start pension calculator: What can €10 a month become?
The state is meant to pay money into an account every month for children from the age of 6. Work out what it can become by retirement.
The early-start pension is not yet law. The Federal Cabinet adopted a government draft on 12 August 2026, with a planned start on 1 January 2027. The values here are assumptions and may change. As of: October 2026.
- Payments start at age
- 6
- Payments end at age
- 18
- Viewed until age
- 67
Your assumptions
The draft provides €10 a month, from the 6th to the 18th birthday.
For example from parents or grandparents.
Gross means before costs are deducted. An assumption, not a forecast and not a guarantee.
For the standard account, at most 1% per year is allowed.
Please correct the marked fields. The result shows the last valid values.
Result
| Measure | Without costs | With costs |
|---|---|---|
| Value at age 18 | ||
| Value at age 67 |
- Range with costs, from unfavourable to favourable
- Without costs
- With costs
- Contributions
Model calculation for illustration. Not investment advice and not a recommendation for any product. Returns are not guaranteed, and costs and taxes may differ in practice. The calculator does not save any entries.
Who receives the early-start pension?
For children, the federal government plans the early-start pension. Under it, the state pays €10 a month into an account for children from their 6th to their 18th birthday, starting with the 2020 birth cohort. The entitlement can later be transferred to your own retirement savings account, but this does not happen automatically. Anyone who is already at secondary school today does not receive the early-start pension.
How the early-start pension calculator works
- The gross return minus the costs gives the annual return after costs. A monthly rate is calculated from it.
- Every month the money grows at this rate, and then the state payment (and your additional payment) is added. After the payments end, the account only grows.
- The costs are the difference to the same account without costs.
- The range shows two further cases with costs: an unfavourable one with 3 percentage points less return and a favourable one with 2 percentage points more.
- Return and costs stay the same over the whole time. Taxes and inflation are not included.
- Your entries are not saved and not transmitted.