Altersvorsorgedepot 2027
The Altersvorsorgedepot launches in 2027: a state-subsidized depot for private retirement provision. Tomorrow will offer this option too. Find out more here.
Your retirement depot, subsidized by the state
The Altersvorsorgedepot is a new, state-subsidized depot for your private retirement provision. Alongside your monthly payments into the depot, the state contributes too. On top of that, you benefit from tax savings and, if you have children eligible for Kindergeld, from the additional child allowance.
What the Altersvorsorgedepot brings you
The state subsidy pays directly into your private retirement provision. This way, you build up wealth until you retire without having to pay in more yourself.
Up to €540 extra per year
Grow tax-free
€300 extra per child
Retirement Investment Account Calculator
The retirement investment account calculator shows you how the government top-up affects your private retirement savings, so you can see how much wealth builds up by the time you retire.
At retirement at 67 with a 6 % return, your net final assets after tax on payout come to 181,722 €. At 2 % annual inflation, that's equivalent to a purchasing power of 87,338 € in today's money.
Why open your Altersvorsorgedepot at Tomorrow
At Tomorrow, your Altersvorsorgedepot isn't just state-subsidized — it also reflects our values: sustainable, practical, and transparent.
Sustainable
Practical
Transparent
What you need to know about the Altersvorsorgedepot
As with any investment option, you should inform yourself thoroughly beforehand. When it comes to the Altersvorsorgedepot, keep the following in mind, for example:
No guaranteed interest rate: Your money is invested in ETFs, actively managed funds, or bonds. The value fluctuates with the market, and there's no fixed return.
Locked in until retirement: You generally can't access your capital until you reach retirement age. That's part of what the subsidy is for.
Costs are capped: The legislator limits the annual costs for the Altersvorsorgedepot across all providers.
Our answers to your questions
Here you'll find answers to the most important questions about the Altersvorsorgedepot.
Your account. Your impact.
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The Tomorrow account is provided by our banking service provider, Solaris SE. Solaris SE is a fully regulated European bank licensed and supervised by the Federal Financial Supervisory Authority (BaFin). Your deposits are therefore protected up to €100,000 by the German Deposit Guarantee Scheme (DGS). This protection applies per customer / per bank — in this case, Solaris SE. If you hold multiple accounts with Solaris, the deposit guarantee applies to all your accounts combined.
Tomorrow GmbH offers the brokerage of the Tomorrow Fund equity fund, Inyova Impact ETFs, and the Altersvorsorgedepot as a tied agent within the meaning of Section 3 (2) of the German Securities Institutions Act (WpIG), in the name and for the account of lemon.markets brokerage GmbH, and is listed in the public register maintained by the Federal Financial Supervisory Authority (BaFin). The register can be viewed here.
* The interest rate of 3.1% p.a. applies to customers who open their Tomorrow account and instant access savings account between 01.08. and 31.08.2026, for the first 90 days on balances up to €50,000. Outside the promotional period, customers receive 0.75% interest p.a. on balances up to €50,000. Now customers who opened their account before 19.02.2025 cannot open an instant access savings account. The customer must have a German tax ID. You can review all conditions here.
Disclaimer & risk notice: The above capital investment involves risks. The value of your capital investment can fall or rise. Losses of the capital invested may occur, up to and including total loss. Past performance, simulations, or forecasts are not a reliable indicator of future performance.
This text does not constitute investment advice or a recommendation to buy or sell. Visualizations are for illustrative purposes only and do not represent the actual or future performance of the Tomorrow Fund, Inyova Impact ETFs, or the Altersvorsorgedepot.