Subsidy calculator Altersvorsorgedepot
Client data on the left, the subsidy schedule on the right, every figure live, every component decomposed. CSV and print view for handover to the quotation software (Angebotssoftware).
| Year / phase | Age | Own contrib. | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| De-risking window (LCM)2027–2058 · 32 yrs | 36–67 | €57,600 | €17,280 | , | , | €7,428 | 23.1% | 30.0% | €283,236 | |
| Payout phase2059–2076 · 18 yrs | 68–85 | , | , | , | , | , | , | , | €0 |
AVD subsidy schedule
Start year 2027 · 32 years term
| Monthly own contribution (yr 1) | €150.00 | Contribution step-up | none |
| Age / start year | 35 / 2027 | Retirement / payout until | 67 / 85 |
| Taxable income (zvE) | €45,000 | Children (birth year, education) | none |
| Strategy / expected gross return | Balanced / 7.9% p.a. | Effective cost (all-in) | 100 bps p.a. |
Final capital 67: €283,236 · Allowances €17,280 · Tax benefit €7,428 · Subsidy share (allowances) 23.1% · incl. tax benefit 30.0% · Monthly pension (net) €1,977
| Year | Age | Own contrib. | Basic subsidy | Child allow. | Bonus | Tax benefit | SQ allow. | SQ incl. tax | Depot value |
|---|---|---|---|---|---|---|---|---|---|
| De-risking window (LCM) · 2027–2058 | €57,600.00 | €17,280.00 | €7,428.20 | 23.1% | 30.0% | €283,236.31 | |||
| 2027 | 36 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €1,856.48 |
| 2028 | 37 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €4,641.84 |
| 2029 | 38 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €7,620.23 |
| 2030 | 39 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €10,805.02 |
| 2031 | 40 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €14,210.52 |
| 2032 | 41 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €17,852.02 |
| 2033 | 42 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €21,745.87 |
| 2034 | 43 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €25,909.57 |
| 2035 | 44 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €30,361.81 |
| 2036 | 45 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €35,122.59 |
| 2037 | 46 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €40,213.29 |
| 2038 | 47 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €45,656.78 |
| 2039 | 48 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €51,477.51 |
| 2040 | 49 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €57,701.61 |
| 2041 | 50 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €64,357.04 |
| 2042 | 51 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €71,473.69 |
| 2043 | 52 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €79,083.52 |
| 2044 | 53 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €87,220.72 |
| 2045 | 54 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €95,921.82 |
| 2046 | 55 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €105,225.91 |
| 2047 | 56 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €115,174.78 |
| 2048 | 57 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €125,813.10 |
| 2049 | 58 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €137,188.65 |
| 2050 | 59 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €149,352.54 |
| 2051 | 60 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €162,359.37 |
| 2052 | 61 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €176,267.59 |
| 2053 | 62 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €191,139.64 |
| 2054 | 63 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €207,042.33 |
| 2055 | 64 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €224,047.07 |
| 2056 | 65 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €242,230.24 |
| 2057 | 66 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €261,673.50 |
| 2058 | 67 | €1,800.00 | €540.00 | – | – | €232.13 | 23.1% | 30.0% | €283,236.31 |
| Payout phase · 2059–2076 | €0.00 | ||||||||
| 2059 | 68 | – | – | – | – | – | – | – | €274,849.42 |
| 2060 | 69 | – | – | – | – | – | – | – | €265,881.32 |
| 2061 | 70 | – | – | – | – | – | – | – | €256,291.73 |
| 2062 | 71 | – | – | – | – | – | – | – | €246,037.58 |
| 2063 | 72 | – | – | – | – | – | – | – | €235,072.81 |
| 2064 | 73 | – | – | – | – | – | – | – | €223,348.19 |
| 2065 | 74 | – | – | – | – | – | – | – | €210,811.05 |
| 2066 | 75 | – | – | – | – | – | – | – | €197,405.09 |
| 2067 | 76 | – | – | – | – | – | – | – | €183,070.09 |
| 2068 | 77 | – | – | – | – | – | – | – | €167,741.68 |
| 2069 | 78 | – | – | – | – | – | – | – | €151,351.01 |
| 2070 | 79 | – | – | – | – | – | – | – | €133,824.47 |
| 2071 | 80 | – | – | – | – | – | – | – | €115,083.34 |
| 2072 | 81 | – | – | – | – | – | – | – | €95,043.44 |
| 2073 | 82 | – | – | – | – | – | – | – | €73,614.78 |
| 2074 | 83 | – | – | – | – | – | – | – | €50,701.12 |
| 2075 | 84 | – | – | – | – | – | – | – | €26,199.54 |
| 2076 | 85 | – | – | – | – | – | – | – | €0.00 |
| Total (accumulation) | €57,600.00 | €17,280.00 allowances | €7,428.20 | 23.1% | 30.0% | €283,236.31 | |||
Calculated per § 32a EStG (AY 2026), Günstigerprüfung (exact ΔESt). Effective cost 100 bps p.a. All values nominal.
Expected returns are net of the underlying funds' ongoing charges and transaction costs and before the Xaver management fee. They are the median annualised outcome of a 10-year simulation combining forward-looking capital-market assumptions with historical market behaviour, for the portfolio applicable to the customer's remaining time to retirement, and may decrease as risk is reduced towards retirement. They are not guaranteed and are not a reliable indicator of future performance; actual results after all costs can be lower and can be negative. Detailed holdings are shown for the example portfolio only.
Marketing material, for distribution partners and advisors only, not for onward distribution to retail clients. Issued by Xaver Asset Management GmbH, Pilgrimstraße 6, 50674 Cologne, Germany, commercial register: Amtsgericht Köln, HRB 116551, managing directors: Max Bachem, Björn Holste, Nigel Jankelson, supervised by BaFin as a securities institution under the WpIG (discretionary portfolio management; BaFin ID 10163309). Contact: kontakt@xaver.com. This document is not an offer, not investment, tax or legal advice and not a contractual basis; signed partner agreements and the final product terms alone are decisive. Fund, index and company names mentioned (including Amundi, BNP Paribas, Vanguard, iShares/BlackRock, Xtrackers, UBS, State Street SPDR, L&G, JPMorgan, WisdomTree, MSCI, FTSE) are trademarks of their respective owners, used solely to describe the investment strategy or example portfolios; the named providers do not sponsor or endorse the products shown. The value of investments can go down as well as up. * Cost figures are stated net; plus statutory VAT where applicable. Subject to errors and changes. All figures as at 25/09/2026. © 2026 Xaver Asset Management GmbH. All rights reserved.