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bAV-Efficiency-Booster 2026

Calculate the massive efficiency of company pension schemes through deferred compensation.

DEEN
3,500 €
1.5k €15k €
100 €
25 €676 € (Max)

How much gross salary do you want to convert?

Your Monthly Analysis
Total Pension Deposit
This is the total monthly investment into your pension pot (your contribution + employer subsidy).
115 €
Employer Subsidy
According to § 1a Abs. 1a BetrAVG (BRSG), the employer must contribute an additional 15% of the converted amount as a subsidy to the pension fund, if they save on social security contributions through the arrangement.
+ 15 €
Efficiency Plus
The ROI on your investment compared to your net cost. 100% means your money was doubled.
+ 109 %
Actual Net Cost to You
Your monthly net salary only drops by this amount, as most of your contribution comes from tax and social security savings.
55 €
Free Money
The amount you receive for free from the state (tax/SS savings) and your employer.
60 €
Your Wealth after 30 Years
80,082 €

Based on a 4% annual return (illustrative).

Leverage Factor
The leverage factor shows the ratio between the total contribution (your share + employer gift) and your actual net cost.
Level: Global-Max
2.1x

How many times your money multiplies.

The 4% / 8% Rule

Up to 4% of the social security ceiling (BBG 2026: 101.400 €) are exempt from both tax and social security contributions (338 € in 2026). An additional 4% (total 8% of BBG = 676 € monthly) are tax-free but subject to social security contributions.

Up to 338€ (4% BBG) saves tax AND social security. Between 338€ and 676€ (8% BBG) only tax is saved.

15% Extra Gift

Since 2019, employers must legally add a 15% subsidy if they save on social security contributions.

Why this effect?

Since the amount is deducted from gross salary, your taxable income drops. The state pays up to 50% of your pension.

Frequently Asked Questions (FAQ)

Ready for maximum subsidies?

BoltPick offers you the best deals to leverage your saved net income even further.

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Note: All values are illustrative and depend on individual factors. No tax or legal advice.

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