Calculators

Run the numbers yourself.

Four calculators – for consumers, for the subsidy comparison and for distribution partners. Computed live on the enacted pension reform act (products from 1 January 2027).

Calculator recording

Quick subsidy comparison · sample data

Subsidies & final capitalAVD CalculatorWhat's in the Altersvorsorgedepot (AVD)? Basic allowance, child allowance, tax benefit and final capital – live with your inputs, incl. the comparison against Riester (old law) and an ETF account.

Riester vs. AVD · subsidy ratioNewSubsidy comparisonThe subsidy for a single contribution year, side by side: allowances, the special-expenses deduction and the more-favourable test for your household – with employment status, partner and children. The same engine that runs inside the advice journey.

Existing contract · old lawRiester comparisonHow an existing Riester contract compares against the Altersvorsorgedepot is shown inside the AVD calculator: the same inputs, both subsidy systems side by side – including the cases where holding is the better decision.

For advisers · B2BAdviser calculatorThe subsidy calculator for advisory work: per-year subsidy schedule (allowances, tax benefit, subsidy shares, account value) with CSV and print export for the partner's quotation software (Angebotssoftware).

Advice sessions only

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Demo portal

Portfolio assessmentPortfolio-wide assessment – which contracts are worth reviewing in the first place.See it in the demo portal

Demo portal

Advice & completion journeyThe full journey including the advice record and completion – it belongs in an advice situation, not on a public page.See it in the demo portal

Demo portal

Adviser co-pilotThe AI assistant for advisers: preparation, follow-up questions, documentation.See it in the demo portal

Model calculations based on the pension reform act (Bundestag 27 March 2026, Bundesrat 8 May 2026, in force from 1 January 2027) – not investment or switching advice.

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Run the numbers yourself.

What sits behind the login.

The same calculators in your own brand?