Early Start Pension
Starting capital for the retirement
Up to €1,440 from the state for your child's retirement. Secure a decisive head start with Scalable today and stay informed about the Early Start Pension (Frühstart-Rente).
State funding Up to €1,440 directly from the state for children under 18 – with no requirement to contribute your own savings. |
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Maximum compound interest An investment horizon of up to 60 years can close the pension gap early. |
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A secure future The capital is legally protected specifically for your child's retirement. |
How the Early Start Pension works
The Early Start Pension is designed to lay the foundation for retirement during childhood in order to close the pension gap early on. Children of the age 6 to 18 profit of the these advantages:
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Government support: €10 monthly government allowance (total of €1,440) – with no personal savings obligation. |
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ETF focus: The subsidy is invested directly in the capital market in low-cost ETFs. |
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Tax-free: All returns and gains are tax-free during the accumulation phase. |
What happens then?
Once your child reaches the age of majority, they simply take over the custody account themselves. It remains a state-subsidised Retirement account – including further subsidies.
Current status
The draft law for the Early Start Pension (Frühstart-Rente) is being finalised based on the key points paper from 17 December 2025 and is expected to be completed in 2026. The aim is the retroactive introduction of the subsidy as of 1 January 2026.
Implementation at Scalable Capital
As soon as the Retirement account with the Early Start Pension is legally established, it will be available at Scalable as quickly as possible. Sign-up to our newsletter to stay informed.
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FAQ
Children from the age of 6 until 18 who attend a school in Germany are eligible. The introduction will be phased: The funding will be given retroactively as of 1 January 2026 for the 2020 birth group. Further groups will follow successively.
No, the state subsidy of €10 per month is paid regardless of your own contributions. Every child receives a basic pension. You can choose to make additional contributions and investments.
The account legally belongs to your child. Upon reaching adulthood, they can take it over seamlessly and continue it as a regular Retirement account, including the respective allowances. Learn more.
The Early Start Pension is strictly protected for retirement. Early withdrawal is not intended. The capital remains invested and protected until your child reaches retirement age.
Since the account for the Early Start Pension must be purpose-bound, a special account type within the Scalable ecosystem will likely be required. We are working on an attractive solution for you.