36,000 euros deposited, 112,000 euros in the deposit. The difference of 76,000 euros does not come from a crystal ball, but from government subsidies and compound interest. The retirement savings account turns 100 euros a month into a small fortune – if you do one thing right.
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What the state adds to 100 euros
At 100 euros per month you pay 1,200 euros per year. The state adds a basic allowance of 390 euros – 50 cents per euro on the first 360 euros, 25 cents on the remaining 840 euros. A total of 1,590 euros flows into the depot, even though only 1,200 euros come from you. That’s an immediate funding rate of 33 percent.
If you have children, the amount increases significantly. For two children, there is an additional child allowance of 600 euros – a total of 2,190 euros in the deposit with only 1,200 euros of personal contribution.
When the retirement savings account starts on January 1, 2027, Hundreds of thousands of savers try to open a portfolio at the same time. The result: overloaded systems, long waiting times for identity verification, delayed activations. And every day of delay is a day without funding – because the allowances do not flow retroactively. Anyone who opens a free account at finanzen.net ZERO nowhas already completed the identity verification and can get started straight away on January 1st – no queue, no missed funding.
What will be in the depot after 10, 20 and 30 years
The real power unfolds over time. Here is the calculation for 100 euros per month, 5 percent net return after costs and the basic allowance of 390 euros per year:
| Saving period | Total own contributions | Total allowances | Depot value | Of which there is a return on investment |
|---|---|---|---|---|
| 10 years | €12,000 | €3,900 | approx. 21,000 € | approx. 5,100 € |
| 20 years | €24,000 | €7,800 | approx. 55,000 € | approx. 23,200 € |
| 30 years | €36,000 | €11,700 | approx. 112,000 € | approx. 64,300 € |
After 30 years you have paid in 36,000 euros yourself. The rest – 76,000 euros – comes from the state and compound interest. From the 20th year onwards, the return on investment exceeds the sum of your own contributions and allowances. From this point on, your portfolio earns more than you and the state pay in together.
With children it becomes even more obvious
Same savings rate, same return, but two children:
| Saving period | Personal contributions | Allowances (including children) | Depot value |
|---|---|---|---|
| 10 years | €12,000 | €9,900 | approx. 29,000 € |
| 20 years | €24,000 | €19,800 | approximately €77,000 |
| 30 years | €36,000 | €29,700 | approximately €155,000 |
155,000 euros after 30 years, of which only 36,000 euros came from your own pocket. The combination of child allowance and compound interest creates leverage that no normal portfolio can offer. Our calculator in the guide to retirement savings accounts shows how the funding affects your specific situation.
Why 150 euros hardly brings more than 100 euros
Anyone who increases the savings rate to 150 euros will receive an annual contribution of 1,800 euros and the maximum basic allowance of 540 euros. Sounds like a good deal, but the funding leverage drops: at 100 euros the funding rate is 33 percent, at 150 euros it is only 30 percent. Every euro over 1,800 euros goes into the depot completely unfunded. If you can save more than 150 euros a month, it would be better to put the extra amount into a normal ETF portfolio – there the selection of securities is freer and the taxation on payouts is cheaper.
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Register and we will inform you as soon as the retirement savings account with our broker finanzen.net ZERO starts. This means you don’t miss a month of valuable bonuses.
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Conclusion: 100 euros is enough – if you start early
The retirement savings account rewards not those who pay in the most, but rather those who hold out the longest. 100 euros per month over 30 years beats 200 euros over 15 years – simply because compound interest has more time. Anyone who is under 40 now and starts in 2027 has the best cards. All details about funding, costs and payouts are in the guide.