Find out what your pension could be.

Notice

Advertising by quirion AG. This calculation is a non-binding example. It is not investment advice, not a recommendation and not a promise. We do not assess here whether an Altersvorsorgedepot is suitable for you. How we calculate: we assume a return of 8 % a year before costs. For context: the average annual performance of the MSCI World Index (in euro, including dividends) from 30 June 1996 to 30 June 2026 was 8.54 %; a different start date produces a materially different figure. From this we deduct 0.20 % a year in fund costs (TER); we do not include a portfolio-management fee here, because the price for the Altersvorsorgedepot has not been set yet – your actual costs may therefore be higher. That leaves around 7.80 % a year after costs in the calculation. For children we count the child allowance for as long as Kindergeld is paid. Unless you set it otherwise we assume, for simplicity, that it ends at 18; if it runs longer, the subsidy is higher. Transaction and custody costs and taxes during the savings phase are not included, and the amounts are not adjusted for inflation. What this is not: such projections are not a reliable indicator of future performance. Past performance of an index is likewise not a reliable indicator of future performance; an index cannot be bought directly, and an ETF only tracks it approximately. Actual performance can be considerably worse than any scenario shown here. You bear the full market risk: you can incur losses and may get back less than you paid in. Because you invest globally, exchange rates also affect your result. Tax: how your payout is taxed depends on your personal circumstances and may change in future; we calculate on the law as it stands today, and the tax figure is no substitute for tax advice. About the product: the state-subsidised Altersvorsorgedepot may be offered from 1 January 2027. Subsidies and maximum amounts in this calculation are based on the Altersvorsorgereformgesetz of 26 May 2026 (BGBl. 2026 I Nr. 156). This calculator is provided by quirion AG, Kurfürstendamm 119, 10711 Berlin, Germany – a company of Quirin Privatbank AG. quirion AG is an investment firm (Wertpapierinstitut) supervised by the German Federal Financial Supervisory Authority (BaFin), BaFin ID 10148587, authorised to provide portfolio management pursuant to section 2(2) no. 9 WpIG. quirion AG provides the portfolio management; your cash account and securities account are held with Quirin Privatbank AG. All further mandatory disclosures are set out in the legal notice.