Sparbeiträge zur privaten Altersvorsorge werden vom Staat durch die Altersvorsorgezulage gefördert. Um diese Zulage in voller Höhe zu erhalten, müssen Sie einen bestimmten Mindesteigenbeitrag leisten, der sich nach der Höhe Ihres Einkommens richtet. Bei sehr niedrigem Einkommen muss zumindest der Sockelbetrag aufgebracht werden.

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1. Begünstigte Altersvorsorgebeiträge

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Beiträge zu privaten Altersvorsorgeverträgen

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Gehaltsumwandlung im Rahmen der betrieblichen Altersvorsorge

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Nicht begünstigte Altersvorsorgebeiträge

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2. Altersvorsorgezulage

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a) Grundzulage

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b) Kinderzulage

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c) Einmal-Bonus für Jugendliche unter 25 Jahren

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Berücksichtigung des Bonus bei der Riester-Förderung

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Wann es eine dreifache Zulage für dasselbe Kind gibt

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3. Mindesteigenbeitrag

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Wenn Sie nicht den Mindesteigenbeitrag leisten

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Mindesteigenbeitrag bei Eheleuten

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Geringeres Einkommen im Vorjahr oder im Sparjahr

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4. Sockelbetrag

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5. Antrag auf Altersvorsorgezulage

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Drei Bescheinigungen vom Anlageinstitut

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Vereinfachtes Antragsverfahren

Xx xxx xxxxxxx xxxx xxxx xxxxx xxxx xxxxxx, xxxxx Xxxx xxxxx xxxxx Xxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xx xxxxxxx. Xxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xxxxx xxxxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxxx. Xxx xxxxxxx xxxx Xxxxx Xxxxxxxx xxxxxxxxxxxxxxxx, xxxx Xxx xxx Xxxxxxxxxxxxx xxx xxxxxxxxxxxxxx Xxx xx xxxxxxx. Xxx Xxxxxxxxxxxxxxxxx xxx xxxxxxx xxx Xxxxxxxxxxxxxxxxx xxxxxxxx xxx xxxx xxx xxx Xxxxxxxx. Xxx xxxxxxxx Xxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxx xXxXx xxxx xxxxx xxxxxx, Xxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxx xx xxxxxxxx, xxxxxx xx xxx Xxxxx xxxxxxxxxxxxx Xxxxxxx xxx Xxxxxxxx xxxxxxxxxxx xxxx.xxxxxx

Ab 2018 Rückforderung von Fehlbeträgen direkt vom Zulageberechtigten

Xxxx xxxxx Xxxxxxx xxx XxxxxxxxXxxxxxxxxxxxxx xx Xxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxx, xxxx xxxxx Xxxxxxxxxxxxxxx xxx XxxxxxxxXxxxxxxxxxxxxxxx xxxx xxxx xxxxx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxx xxxx xx xxx xxxxx Xxxxxxxxxxxxxx xxx Xxxxxxx, xxx xxxx xxxxxxxxxxxxx xxx xx Xxxxxxx xxxxxxx xxxxxxxxxxxxx, xxxx xxxxxx, xxxx xxx xxx xxx XxxxxxxxXxxxxxx xxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxx, xx xxx xxx xxx XxX xxxxxxxxxx xxx Xxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxx xx xxxxxx Xxxxx xx xxxxxxxxxxx.

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Seit 2019 Begrenzung der Frist für Rückforderung der Zulage

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6. Ab 2024 kein Prüfungsrecht der Finanzämter mehr

XxxxxxxxXxxxxxxxx xxxxxx xxxxxxxxx xxxxxxxxxx: Xxx Xxxxxxxxxx xxxxxxx xxx xxxxx Xxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxx xxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxx. Xxxxx xxxxxxx xxxxxx XxxxxxxxXxxxxx xxx xxx Xxxxxxx, xxxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxxxxxxxx xxxx xxx Xxxxxxxx xxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxx, xxxx xxx xxx xxx Xxxxxxxxx Xxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxx xXxXx xxxxxxxx xxxxxxxxxx xxxxxx xxxx, xxxx xxx Xxxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxx.

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Rechtslage für Beitragsjahre bis 2023

Xx Xxxxx xxxx xxx xxx Xxxxxxxxxxxxxxx xxxxxxxxxxx, xxxx xxx Xxxxxxxxx xxxxxxxxxxxxx xxxxxxx xxxx, xx xxx Xxxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxx xxxxxxxxx. Xx xxx xx Xxxxxxxxxxxx xxxxxxxxxxxx, xxx Xxxxxxxxxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxx xx Xxxxxxxxxxxxxxxxxxxxx xx xxxxxxxxxxxx xXXXxXxxxxx xxx x.x.xxxx, X X xxxxx. Xxxx xxxxxx Xxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxx. Xxx Xxxxxxxxxxxx xxxxxx xxx Xxxxxxxxxxx xxx XxX, xxx xx Xxxx xxx xxxxxxxxxxxxxxx Xxxxxxxxxxxxxx xxxxxxx, xxxx xxxxxxxxxxx xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxx xxxxxxx. Xxxx: Xxx Xxxxxxxxxxxx xxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxx xxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx xxxx X X. xxxx. Xxx xxxxxxxx xxxx, xxxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxx xx xxx Xxxxxxxxxxxxxxxx xxxx. Xxxx xxx Xxxx, xxx xx xx xxx Xxxxxx xxxxxxxxxx xxxxxxxx.

Xxxxxxxx:
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Rechtslage ab dem Beitragsjahr 2024

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7. Broschüre zum Produktinformationsblatt

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