State funding
Up to €1,440 directly from the state for children under 18.
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 (Frühstartrente).
Maximum compound interest
An investment horizon of up to 60 years can close the pension gap early.
A secure future
The capital is legally protected specifically for your child's retirement.
State funding
Up to €1,440 directly from the state for children under 18.
Maximum compound interest
An investment horizon of up to 60 years can close the pension gap early.
A secure future
The capital is legally protected specifically for your child's retirement.
Early start pension calculator
How your child's wealth grows until retirement. Calculate now.
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 17 profit of the these advantages:
Government support: €10 monthly government allowance (total of €1,440) – with no personal savings obligation.
ETF focus: The subsidy is invested directly in the capital market in low-cost ETFs.
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.
Implementation at Scalable Capital
As soon as 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.
Start investing for your child today
Invest for the future with Scalable Kids’ accounts and Pocket Money.