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The employee savings allowance is a cash allowance granted by the state to encourage employees to invest in capital formation. It is a state bonus for capital-forming benefits.
Capital-forming benefits (VL) are cash benefits that your employer invests for you, for example on the basis of a collective agreement, a works agreement or an employment contract.
The prerequisite for the state allowance is that your employer - and not you - pays the capital-forming benefits into an investment account set up by you.
The employee savings allowance for
If two eligible contracts are concluded (e.g. a building society savings contract and a securities savings plan), the allowances are granted in parallel.
Note:
You can also claim the employee savings allowance if your employer does not pay any capital-forming benefits. In this case, ask your employer to deduct the payment into your investment account from your salary.
If both spouses or partners are employed, both can claim the savings allowance.
The application for the employee savings allowance must be submitted by the end of the fourth year after the savings year at the latest.
Please note:
Does your taxable income exceed the specified limits but is within the income limits for the housing construction premium? If so, you can claim the capital-forming benefits paid into a home loan and savings contract as your own payments for the granting of the housing construction premium.
The easiest way to apply for the employee savings allowance is to submit your income tax return.
You do not have to enclose a certificate with your income tax return. Your provider will transmit the necessary data (electronic capital formation certificate) electronically to your tax office, provided you have agreed to the data transmission.
at the latest by the end of the fourth year after the savings year
Since the 2017 savings year, your investment institution has been transmitting all necessary data (electronic asset statement) electronically to the tax authorities. The prerequisite is that you have agreed to the data transfer with your investment institution.
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Machine generated, based on the German release by: Oberfinanzdirektion Baden-Württemberg als Vertreterin des Finanzministeriums Baden-Württemberg, 11.02.2025
