Maximize Your Wohn-Riester Benefits
Calculate your subsidies, tax savings, and mortgage impact — find out how much the state contributes to your homeownership. Choose your focus:
Subsidy Check
Find out if you're eligible for Grundzulage and Kinderzulage — and how much you receive each year.
Tax Optimization
Calculate your tax deduction from Riester contributions and see your net benefit after taxes.
Mortgage Boost
See how Wohn-Riester subsidies and tax savings improve your equity and reduce your mortgage.
Why Our Wohn-Riester Calculator?
Subsidy Calculation
Calculate your Grundzulage (€175/year) and Kinderzulage (up to €300 per child) automatically
Tax Benefit Analysis
See how Riester contributions reduce your taxable income and calculate your net savings
Repayment Comparison
Compare Wohn-Riester financing side by side with a standard mortgage
Wohnförderkonto Tracker
Understand the deferred taxation on your subsidized amounts at retirement
Key Wohn-Riester Terms
Understand the most important concepts for your Riester pension mortgage.
Wohn-Riester
A housing subsidy scheme allowing Riester pension savings to be used for home…
Grundzulage
The basic annual government subsidy for Wohn-Riester, currently €175 per person…
Kinderzulage
The child bonus for Wohn-Riester, €300 per child (born after 2008) or €185 per…
Eigenbeitrag
Your own contribution to receive maximum Riester subsidies, at least 4% of your…
Wohnförderkonto
A notional account tracking Wohn-Riester usage for deferred taxation. The…
Nachgelagerte Besteuerung
Deferred taxation of Wohn-Riester benefits – you save taxes now but pay taxes…
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