Riester Pension Insurance 2025
Secure up to €475 government subsidies per year. Free comparison of the best providers with expert guidance.
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Why Riester Pension?
State-subsidized retirement savings offer you unique benefits for a secure future
€175 Basic Allowance
Annual government basic allowance for your retirement savings
Up to €300 Child Allowance
Additional government subsidy per child
Tax Benefits
Up to €2,100 annually tax deductible
Seizure Protected
Your saved capital is legally protected
Lifetime Pension
Guaranteed monthly payments in retirement
Inheritable
Capital transfers to beneficiaries upon death
How It Works
Just 4 simple steps to your state-subsidized retirement savings
Calculate Quote
Enter your personal details into the calculator
Compare Providers
Receive tailored offers from leading insurers
Apply Online
Choose the best offer and apply directly
Receive Subsidies
Start benefiting from government subsidies immediately
Frequently Asked Questions
Answers to key questions about state-subsidized retirement savings
How much is the Riester subsidy in 2025?
The government basic allowance is €175 per year. Additionally, there is €185 child allowance for children born before 2008 and €300 for children born after 2008. Young professionals under 25 receive a one-time €200 bonus.
Who can sign up for Riester pension insurance?
Directly eligible are all employees subject to pension insurance, civil servants, soldiers, recipients of unemployment benefits I and II, and parents during the first 3 years of child-rearing. Spouses may be indirectly eligible.
What is the minimum contribution?
To receive the full subsidy, you must contribute 4% of your previous year's gross income (max €2,100) minus the subsidies. The minimum contribution is €60 per year.
Can I deduct Riester contributions from taxes?
Yes, Riester contributions can be deducted up to €2,100 annually as special expenses. The tax office automatically checks whether subsidies or tax savings are more favorable.
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Riester Pension: Your State-Subsidized Retirement Savings
The Riester pension is one of the most popular forms of private retirement provision in Germany. With attractive government subsidies and tax benefits, the state actively supports building additional retirement savings.
Why is a Riester Pension Comparison Important?
Choosing the right Riester provider can make a significant difference to your retirement savings. A careful comparison helps you:
- Find the highest returns with minimal costs
- Identify providers with flexible contract terms
- Avoid hidden fees
- Choose the optimal investment form for your personal situation
Making the Most of Government Subsidies
The state supports the Riester pension in two ways: through direct subsidies and through tax benefits. The basic allowance is currently €175 per year, the child allowance up to €300 per child.
Who Benefits Most from Riester Pension?
The Riester pension is particularly attractive for:
- Families with children (due to child allowances)
- Low earners (disproportionate subsidies)
- High earners (tax advantages)
- Anyone who wants seizure-protected provision