# beatvest> beatvest is a German fintech that builds white-label financial education products for banks and financial institutions. Founded in Vienna, regulated under EU standards. beatvest helps people understand investing, retirement savings, and personal finance through interactive courses and tools. The company is a leading voice on the Altersvorsorgedepot, Germany's new state-subsidized retirement savings account launching January 1, 2027.beatvest was founded by Julia Kruslin (CEO, FCA/SEC background, DEFINO-certified financial advisor) and Sophie Thurner (COO, former policy advisor). The company works with banks and brokers across the DACH region to provide financial literacy at the point of need.## Core Pages- [About beatvest](https://www.beatvest.com/uber-uns): Company overview, mission, team, and regulatory background
- [Business Customers](https://www.beatvest.com/geschaeftskunden): B2B offering for banks and financial institutions
- [Financial Calculators](https://www.beatvest.com/rechner): Compound interest, savings plan, financial freedom, and goal planning calculators
- [beatvest Blog](https://www.beatvest.com/blog): 500+ articles on investing, retirement, taxes, and personal finance in German## Altersvorsorgedepot (Germany's New Retirement Account, 2027)### Tools and Calculators
- [Altersvorsorgedepot Landing Page](https://www.beatvest.com/altersvorsorgedepot): Overview, calculators, articles, and pre-registration hub
- [Personal Subsidy Calculator (Funnel)](https://www.beatvest.com/personlicher-altersvorsorgedepot-rechner): Interactive 4-step funnel. Answer questions about your job, age, savings rate, and children, then get your personal subsidy amount, projected retirement capital, and ETF comparison
- [ETF vs. Altersvorsorgedepot Comparison Calculator](https://www.beatvest.com/etf-versus-altersvorsorgedepot-rechner): Side-by-side comparison of investing in a normal ETF savings plan vs. the Altersvorsorgedepot. Shows tax effects, subsidies, and projected returns
- [Altersvorsorgedepot Pre-Registration](https://www.beatvest.com/altersvorsorgedepot-voranmeldung): Free pre-registration for launch notifications### Articles
- [Altersvorsorgedepot 2027: Der komplette Guide](https://www.beatvest.com/blog/altersvorsorgedepot-2027-guide): Comprehensive pillar article covering eligibility, subsidies (up to 540 EUR/year), product types, taxes, and payout options. 14 min read.
- [Altersvorsorgedepot für Selbständige](https://www.beatvest.com/blog/altersvorsorgedepot-selbstaendige): First-time eligibility for self-employed and freelancers. Ruerup comparison, calculation examples, step-by-step guide.
- [Altersvorsorgedepot oder ETF-Sparplan?](https://www.beatvest.com/blog/altersvorsorgedepot-vs-etf-sparplan): Direct comparison with tax calculations, Vorabpauschale effects, and the optimal combination strategy (AVD up to 150 EUR/month, ETF for everything above).
- [Altersvorsorgedepot Förderung berechnen](https://www.beatvest.com/blog/altersvorsorgedepot-foerderung): Detailed explanation of the subsidy system. Grundzulage (two tiers), Kinderzulage, Berufseinsteigerbonus, Sonderausgabenabzug with Guenstigerpruefung. 4 calculation examples.
- [Altersvorsorgedepot vs. Riester-Rente](https://www.beatvest.com/blog/altersvorsorgedepot-vs-riester): Detailed comparison with calculations showing when to switch from Riester## Key Facts About the AltersvorsorgedepotThe Altersvorsorgedepot replaces the Riester-Rente as Germany's primary subsidized private retirement savings vehicle starting January 1, 2027. Key features: up to 540 EUR annual base subsidy (vs. 175 EUR with Riester), 300 EUR per child, 200 EUR career starter bonus, no mandatory guarantee requirement, ETF investing allowed, cost cap of 1.0% for the standard product, self-employed now eligible for the first time. Source: German Federal Ministry of Finance (BMF) official FAQ.## Blog Categories- [Altersvorsorge (Retirement)](https://www.beatvest.com/blog/category/altersvorsorge): Riester, Ruerup, Altersvorsorgedepot, pension gap, retirement planning
- [ETFs & Investing](https://www.beatvest.com/blog/category/geldanlage): ETF basics, portfolio construction, compound interest, index funds
- [Steuern (Taxes)](https://www.beatvest.com/blog/category/steuern): Tax returns, capital gains tax, tax-advantaged investing
- [Finanzwissen (Financial Literacy)](https://www.beatvest.com/blog/category/finanzwissen): Budgeting, saving, financial independence, salary negotiation