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Lohnsteuer kompakt FAQs

 


Can I get the Riester allowance for every private pension?

No. You cannot receive Riester subsidies for every private old-age provision. Only old-age provision contracts certified by the Federal Insurance Supervisory Office are eligible for funding. The following requirements apply for certification:

  • Start of pension: The payment must not start before the age of 60 or the legal pension.
  • Payout: Payments must be made in the form of a constant or rising annuity; for new contracts, a one-off payment of up to 30 percent is also possible. A life-long pension guarantee must be in place for 85 years and older.
  • Guarantee of contributions: At the beginning of the pension phase, at least the contributions paid in plus allowances must be available.
  • Distribution of costs: For contracts concluded from 2005 onwards, acquisition costs must be spread evenly over at least five years. For older contracts, a limit of ten years applies.
  • No transferability: A Riester contract cannot be assigned or transferred to others. Security: The capital saved may not be pledged or lent.
  • Transparency: Providers must inform savers annually of the retained acquisition, distribution and administrative costs. Even in the event of a contract change, the associated costs must be disclosed.
  • Unisex tariffs: Women and men pay the same premium for newly concluded contracts.

These certification criteria only indicate which old-age provision contracts can be promoted. However, certification is not a seal of approval for the quality of a Riester contract.

Rechner
  • Förderrechner Riester-Rente: Mit dem Riester-Rechner können Sie Ihre persönlichen Daten zur Riester-Rente berechnen. Der Rechner ermittelt wie hoch die verschiedenen Zulagen ausfallen und welche Höchstgrenzen für Sie relevant sind.
Finanztip

"Die Programme überzeugten mit einem großen Leistungsumfang, einer exakten Berechnung und allen Zusatzfunktionen."

Finanztip 10/2025

Macwelt

"Künstliche Intelligenz hat nun auch Einzug in das Programm erhalten. […] Mit IntelliScan werden Daten aus hochgeladenen Belegen analysiert und an der passenden Stelle in der Steuererklärung eingefügt."

Macwelt 03/2025

WirtschaftsWoche

"Lohnsteuer Kompakt bietet eine aufgeräumte Oberfläche und strukturierte Abfrage. [...] Pluspunkt sind abschließende Tipps zum Steuersparen, die auf den konkreten Fall angepasst sind."

WirtschaftsWoche 04/2024

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