Frühstarter: Frühstart-Rente

Codext GmbH

Contains ads

About this app

Starting in 2027, the government will pay €10 per month into a dedicated retirement savings account for every child between the ages of 6 and 18: the Early Start Pension. Early Starter shows you what this means for your family and guides you from the initial check to setting up your account.

CLAIM YOUR ACCESS IN SECONDS
Enter your child's date of birth and instantly see: from which month the government will start paying, how much the total amount will be (up to €1,440), and by when you should open the account to ensure you don't miss a single month.

CALCULATOR
What will €10 per month become by retirement? With a personalized savings plan, return scenarios, and costs. You'll see the difference even 0.5 percent in costs can make over decades.

OVERVIEW OF PROVIDERS
Which banks and brokers will offer the Early Start Pension, what the costs are, and who already has a children's account. Receive notifications as soon as a provider is certified. The order and criteria are clearly explained.

COMPLETE STEP BY STEP

A clear checklist: Check eligibility, have your tax ID ready, choose a provider, open an account, and confirm the opening. You always know what to do next.

MANAGE YOUR ACCOUNT
Enter your account balance, view your progress as a chart, check off government payments each quarter, and keep track of your own savings plan (including the €6,840 annual limit). All your children's accounts are displayed in one overview.

REMINDERS
Registration deadline, 6th birthday, quarterly payment, annual account review, and the transfer at age 18: Frühstarter reminds you in good time.

PRIVATE
No account, no tracking. Your data stays on your device, protected with Face ID if desired. The app never stores your child's tax ID.

KNOWLEDGE
All the rules are clearly explained: Who receives the money, what happens without an account, how it's taxed, and what applies at age 18.

Note: Frühstarter is not an official app of the German Federal Government and is not affiliated with any government agency. The basis for this is the draft law on early retirement (Bundestag printed matter 21/7864, bundestag.de), which the Bundestag passed on October 16, 2026; approval by the Bundesrat is still pending. The app provides information and calculation examples, but does not constitute investment advice. Links to providers may be advertising links and are marked accordingly.

Provider: Codext GmbH, Wolpertshausen.

What’s new

Hinweise zur Unabhängigkeit und Quellen ergänzt.