RenteKompass
A retirement-planning app built around Germany's new Altersvorsorgedepot, showing your projected pension gap and how to fill it under the new tax-favored rules.
German mid-career professionals aged roughly 35 to 55 worried about pension adequacy after Riester's failure
- Pension-gap calculator combining statutory pension, current savings and projected depot value
- Contribution optimizer under Altersvorsorgedepot tax-favored rules including Zulage and Sparer-Pauschbetrag
- ETF versus insurance versus bank-depot product comparison with fee drag modeled over 20 to 30 years
- Regulatory-update alerts from BMWK and BMAS as the planned January 2027 launch approaches
the new Altersvorsorgedepot is meant to replace failed Riester by January 2027, but as the SZ article shows the standard product may not be ready on time, leaving millions of Germans unsure how to act before the deadline.
Multiple major outlets (SZ, Finanztip, BFM) are running extensive explainer coverage; Deutsche Bank Altersvorsorge-Report 2025 shows 83% of Germans doubt pension-system stability, and the widely reported Fehlstart risk for the AV-Depot creates acute uncertainty that drives people to look for guidance.Zeitungsbericht: Start des Altersvorsorgedepots verzögert sich ↗Fit für die Zukunft, Deutsche Bank Altersvorsorge-Report 2025 ↗
No dedicated pension-gap calculator app tied to the new Altersvorsorgedepot rules yet, but the obvious incumbents (Finanztip, Buhl, Trade Republic/Scalable/Oskar brokers, Verivox) are aggressively publishing guides and can add such features fast — a real window but contested.Rentenplanungs-Apps in Deutschland: Die besten digitalen Helfer ↗ETF-App Vergleich: Die Besten ETF-Apps im Test 2026 ↗
German consumers are notoriously price-resistant on financial advice; leading broker apps (Trade Republic, Scalable, Oskar) are free and monetise via commissions, so direct subscription revenue is hard — lead-gen / affiliate to product providers is the realistic path.Beste App für ETF in 2026 - BrokerChooser ↗Etf Sparplan App: Vergleich & Test Der Besten Etf-apps ↗
The Riester-Reform is legislated and explicitly replaces Riester with a state-subsidised ETF depot from 2027, and Germany's demographic shift keeps pension adequacy a permanent headline issue — regulatory and demand tailwind are durable even if launch slips a few months.Bundesfinanzministerium - Fragen und Antworten zur Reform der privaten Altersvorsorge ↗Altersvorsorgedepot: Diese Reform ist unvollständig ↗
Core pension-gap calculation and ETF projection logic is standard; main effort is encoding German AV-Depot-specific Förder-/Zulagen-/Auszahlungsphase rules and building user trust — no BaFin broker licence needed for a pure planner, MVP is realistic in months, not years.AV-Depot ab 2027: Die wichtigsten Fragen und Antworten ↗