{"id":163683,"date":"2026-09-01T13:20:34","date_gmt":"2026-09-01T11:20:34","guid":{"rendered":"https:\/\/zvk.meinezvk.de\/?page_id=163683"},"modified":"2026-09-03T15:11:49","modified_gmt":"2026-09-03T13:11:49","slug":"rechnertest","status":"publish","type":"page","link":"https:\/\/zvk.meinezvk.de\/?page_id=163683","title":{"rendered":"Rechnertest"},"content":{"rendered":"<div id=\"zvk-vorsorge-rechner\" class=\"zvkrr\">\n<style>\n    #zvk-vorsorge-rechner{--zvk-green:#0099cc;--zvk-green-2:#006f91;--zvk-cream:#eef8fb;--zvk-paper:#fff;--zvk-copper:#0099cc;--zvk-line:#d7e8ee;--zvk-ink:#23333a;--zvk-muted:#70828a;box-sizing:border-box;max-width:1180px;margin:24px auto;color:var(--zvk-ink);font:15px\/1.5 system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif}\n    #zvk-vorsorge-rechner *{box-sizing:border-box}\n    #zvk-vorsorge-rechner .zvkrr-shell{overflow:hidden;border:1px solid var(--zvk-line);border-radius:24px;background:var(--zvk-paper);box-shadow:0 18px 55px 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10px;background:var(--zvk-green);color:#fff;font-size:12px;line-height:1.25;text-align:center;white-space:normal;overflow-wrap:anywhere}\n    #zvk-vorsorge-rechner td{width:25%;padding:11px 10px;border-top:1px solid #eee8df;text-align:center;vertical-align:middle;white-space:normal;overflow-wrap:anywhere}\n    #zvk-vorsorge-rechner tbody tr:nth-child(even){background:#fcfaf6}\n    #zvk-vorsorge-rechner tbody tr:last-child td{font-weight:800;background:#f1eadf;border-top:2px solid var(--zvk-copper)}\n    #zvk-vorsorge-rechner .zvkrr-rent{font-weight:750;color:var(--zvk-green)}\n    #zvk-vorsorge-rechner .zvkrr-grant{display:block;margin-top:2px;color:var(--zvk-muted);font-size:11px}\n    #zvk-vorsorge-rechner .zvkrr-foot{margin:14px 2px 0;color:var(--zvk-muted);font-size:12px}\n    @media(max-width:760px){#zvk-vorsorge-rechner .zvkrr-head,#zvk-vorsorge-rechner .zvkrr-body{padding:22px 16px}#zvk-vorsorge-rechner .zvkrr-grid{grid-template-columns:1fr}#zvk-vorsorge-rechner .zvkrr-card-wide{grid-column:auto}#zvk-vorsorge-rechner .zvkrr-metrics{grid-template-columns:repeat(2,minmax(0,1fr))}#zvk-vorsorge-rechner .zvkrr-result-head{display:block}#zvk-vorsorge-rechner .zvkrr-result-head p{margin-top:5px;text-align:left}#zvk-vorsorge-rechner .zvkrr-child-header{grid-template-columns:1fr 1fr;padding:0 12px}#zvk-vorsorge-rechner .zvkrr-child-header span:first-child{display:none}#zvk-vorsorge-rechner .zvkrr-child{grid-template-columns:1fr 1fr}#zvk-vorsorge-rechner .zvkrr-child strong{grid-column:1\/-1}#zvk-vorsorge-rechner th,#zvk-vorsorge-rechner td{padding:9px 6px;font-size:11px}#zvk-vorsorge-rechner .zvkrr-grant{font-size:10px}}\n    @media(max-width:430px){#zvk-vorsorge-rechner .zvkrr-row-2{grid-template-columns:1fr}#zvk-vorsorge-rechner .zvkrr-actions{align-items:stretch;flex-direction:column}#zvk-vorsorge-rechner button{width:100%}}\n  <\/style>\n<div class=\"zvkrr-shell\">\n<header class=\"zvkrr-head\">\n      <span class=\"zvkrr-kicker\">ZVK VorsorgeBONUS<\/span><\/p>\n<h2>Ihre Vorsorge im Vergleich<\/h2>\n<p class=\"zvkrr-sub\">Ihre Pflichtversicherung mit Altersvorsorgezulagen nach bisherigem Recht und ab NEU ab 2027.<\/p>\n<\/header>\n<div class=\"zvkrr-body\">\n<form id=\"zvkrr-form\" novalidate>\n<div class=\"zvkrr-grid\">\n<section class=\"zvkrr-card\">\n<h3>1. Pers\u00f6nliche Angaben<\/h3>\n<p>            <label for=\"zvkrr-birth-day\">Geburtsdatum<\/label><\/p>\n<div class=\"zvkrr-row\">\n              <input id=\"zvkrr-birth-day\" type=\"number\" min=\"1\" max=\"31\" placeholder=\"TT\" aria-label=\"Geburtstag\" required><br \/>\n              <input id=\"zvkrr-birth-month\" type=\"number\" min=\"1\" max=\"12\" placeholder=\"MM\" aria-label=\"Geburtsmonat\" required><br \/>\n              <input id=\"zvkrr-birth-year\" type=\"number\" min=\"1900\" max=\"2100\" placeholder=\"JJJJ\" aria-label=\"Geburtsjahr\" required>\n            <\/div>\n<div class=\"zvkrr-inline-note\">Start der Berechnung: <strong>01.01.2027<\/strong><\/div>\n<\/section>\n<section class=\"zvkrr-card\">\n<h3>2. Rentenbeginn<\/h3>\n<div class=\"zvkrr-radio\">\n              <label><input type=\"radio\" name=\"zvkrr-retirement\" value=\"legal\"> Gesetzliche Regelaltersrente<\/label><br \/>\n              <label><input type=\"radio\" name=\"zvkrr-retirement\" value=\"custom\"> Benutzerdefiniert<\/label>\n            <\/div>\n<div id=\"zvkrr-custom-retirement\" hidden>\n<div class=\"zvkrr-row-2\">\n<div><label for=\"zvkrr-retirement-age\">Jahre<\/label><input id=\"zvkrr-retirement-age\" type=\"number\" min=\"17\" max=\"100\"><\/div>\n<div><label for=\"zvkrr-retirement-months\">Monate zus\u00e4tzlich<\/label><input id=\"zvkrr-retirement-months\" type=\"number\" min=\"0\" max=\"11\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"zvkrr-legal-note\" class=\"zvkrr-inline-note\">Bitte Geburtsdatum eingeben.<\/div>\n<\/section>\n<section class=\"zvkrr-card\">\n<h3>3. Bereits erworbene Anwartschaft<\/h3>\n<p class=\"zvkrr-help\">Bitte geben Sie hier Ihre bereits erworbenen Versorgungspunkte aus der Pflichtversicherung ein. Diese k\u00f6nnen Sie Ihrem letzten Versicherungsnachweis entnehmen.<\/p>\n<p>            <label for=\"zvkrr-existing-points\">Versorgungspunkte zum 31.12.2026<\/label><br \/>\n            <input id=\"zvkrr-existing-points\" type=\"number\" min=\"0\" step=\"0.01\" inputmode=\"decimal\"><br \/>\n          <\/section>\n<section class=\"zvkrr-card\">\n<h3>4. Brutto-Entgelt<\/h3>\n<div class=\"zvkrr-row-2\">\n<div>\n                <label for=\"zvkrr-gross\">Brutto-Entgelt<\/label><br \/>\n                <input id=\"zvkrr-gross\" type=\"number\" min=\"0\" step=\"0.01\" placeholder=\"z. B. 40000\" inputmode=\"decimal\" required>\n              <\/div>\n<div>\n                <label for=\"zvkrr-gross-unit\">Angabe<\/label><br \/>\n                <select id=\"zvkrr-gross-unit\"><option value=\"\" selected disabled>Bitte ausw\u00e4hlen<\/option><option value=\"yearly\">j\u00e4hrlich<\/option><option value=\"monthly\">monatlich<\/option><\/select>\n              <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"zvkrr-card zvkrr-card-wide\">\n<h3>5. Kinderf\u00f6rderung<\/h3>\n<p class=\"zvkrr-help\">F\u00fcr jedes Kind k\u00f6nnen Geburtsjahr und F\u00f6rderende individuell festgelegt werden.<\/p>\n<p>            <label for=\"zvkrr-child-count\">Anzahl Kinder<\/label><br \/>\n            <select id=\"zvkrr-child-count\" style=\"max-width:220px\"><option value=\"\" selected disabled>Bitte ausw\u00e4hlen<\/option><option value=\"0\">0<\/option><option value=\"1\">1<\/option><option value=\"2\">2<\/option><option value=\"3\">3<\/option><option value=\"4\">4<\/option><option value=\"5\">5<\/option><option value=\"6\">6<\/option><option value=\"7\">7<\/option><option value=\"8\">8<\/option><option value=\"9\">9<\/option><option value=\"10\">10<\/option><\/select><\/p>\n<div id=\"zvkrr-child-header\" class=\"zvkrr-child-header\" hidden><span>Kind<\/span><span>Geburtsjahr<\/span><span>F\u00f6rder-Ende<\/span><\/div>\n<div id=\"zvkrr-children\" class=\"zvkrr-children\" style=\"margin-top:12px\"><\/div>\n<\/section><\/div>\n<div id=\"zvkrr-error\" class=\"zvkrr-error\" role=\"alert\"><\/div>\n<div class=\"zvkrr-actions\">\n          <button type=\"submit\">Berechnung anzeigen<\/button><br \/>\n          <button type=\"button\" class=\"zvkrr-reset\" id=\"zvkrr-reset\">Zur\u00fccksetzen<\/button>\n        <\/div>\n<\/p><\/form>\n<section id=\"zvkrr-results\" class=\"zvkrr-results\" aria-live=\"polite\">\n<div class=\"zvkrr-result-head\">\n<h3>Ihre Jahres\u00fcbersicht<\/h3>\n<\/div>\n<div class=\"zvkrr-metrics\">\n<div class=\"zvkrr-metric\"><span>Rentenbeginn<\/span><strong id=\"zvkrr-out-retirement\">\u2013<\/strong><\/div>\n<div class=\"zvkrr-metric\"><span>Rente Pflichtversicherung<\/span><strong id=\"zvkrr-out-pflicht\">\u2013<\/strong><\/div>\n<div class=\"zvkrr-metric\"><span>Rente aus<br \/>Alter F\u00f6rderung<\/span><strong id=\"zvkrr-out-old\">\u2013<\/strong><em id=\"zvkrr-old-comparison\" class=\"zvkrr-comparison\"><\/em><\/div>\n<div class=\"zvkrr-metric\"><span>Rente aus<br \/>Neuer F\u00f6rderung<\/span><strong id=\"zvkrr-out-new\">\u2013<\/strong><em id=\"zvkrr-new-comparison\" class=\"zvkrr-comparison\"><\/em><\/div>\n<\/p><\/div>\n<div class=\"zvkrr-table-wrap\">\n<table>\n<thead>\n<tr>\n<th>Jahr<\/th>\n<th>Rente Pflichtversicherung<\/th>\n<th>Rente aus<br \/>Alter F\u00f6rderung<\/th>\n<th>Rente aus<br \/>Neuer F\u00f6rderung<\/th>\n<\/tr>\n<\/thead>\n<tbody id=\"zvkrr-table-body\"><\/tbody>\n<\/table><\/div>\n<p class=\"zvkrr-foot\">Hinweis: <strong>Die F\u00f6rder-Spalten enthalten ausschlie\u00dflich die Renten aus den staatlichen Zulagen.<\/strong> Bei Riester alt wird der Arbeitnehmeranteil von 2,4&nbsp;% als geleisteter Altersvorsorgebeitrag ber\u00fccksichtigt. Die Zulage wird im Verh\u00e4ltnis zum erforderlichen Eigenbeitrag aus 4&nbsp;% des Vorjahresbruttos (h\u00f6chstens 2.100&nbsp;\u20ac) gek\u00fcrzt. Der Arbeitnehmeranteil selbst wird nicht als Rente ausgewiesen.<\/p>\n<\/section><\/div>\n<\/p><\/div>\n<p>  <script>\n  (function(){\n    'use strict';\n    var root=document.getElementById('zvk-vorsorge-rechner'); if(!root) return;\n    var $=function(id){return root.querySelector('#'+id)};\n    var euro=new Intl.NumberFormat('de-DE',{minimumFractionDigits:2,maximumFractionDigits:2});\n    var whole=new Intl.NumberFormat('de-DE',{maximumFractionDigits:2});\n    var factors={17:3.1,18:3,19:2.9,20:2.8,21:2.7,22:2.6,23:2.5,24:2.4,25:2.4,26:2.3,27:2.2,28:2.2,29:2.1,30:2,31:2,32:1.9,33:1.9,34:1.8,35:1.7,36:1.7,37:1.6,38:1.6,39:1.6,40:1.5,41:1.5,42:1.4,43:1.4,44:1.3,45:1.3,46:1.3,47:1.2,48:1.2,49:1.2,50:1.1,51:1.1,52:1.1,53:1,54:1,55:1,56:1,57:.9,58:.9,59:.9,60:.9,61:.9,62:.8,63:.8,64:.8,65:.8,66:.8,67:.8,68:.8};\n    function factor(age){return factors[age]===undefined?(age<17?3.1:.8):factors[age]}\n    function number(v){return parseFloat(String(v).replace(',','.'))||0}\n    function dateParts(){return {day:parseInt($('zvkrr-birth-day').value,10),month:parseInt($('zvkrr-birth-month').value,10),year:parseInt($('zvkrr-birth-year').value,10)}}\n    function validDate(p){var d=new Date(p.year,p.month-1,p.day);if(p.year<1900)return false;if(p.month<1)return false;if(p.month>12)return false;if(p.day<1)return false;if(p.day>31)return false;if(d.getFullYear()!==p.year)return false;if(d.getMonth()!==p.month-1)return false;if(d.getDate()!==p.day)return false;return true}\n    function legalAge(year){if(year<=1946)return 65;if(year===1947)return 65;if(year>=1948){if(year<=1958)return 65+(year-1946)\/12}if(year>=1959){if(year<=1963)return 66+(year-1958)\/12}return 67}\n    function pensionDate(p,age,months){var birthdayYear=p.year+age,m=p.month-1+(months||0),d=p.day;return d===1?new Date(birthdayYear,m,1):new Date(birthdayYear,m+1,1)}\n    function dateText(d){return String(d.getDate()).padStart(2,'0')+'.'+String(d.getMonth()+1).padStart(2,'0')+'.'+d.getFullYear()}\n    function updateLegalNote(){var p=dateParts();if(!validDate(p)){$('zvkrr-legal-note').textContent='Bitte Geburtsdatum eingeben.';return}var selected=root.querySelector('input[name=\"zvkrr-retirement\"]:checked');if(!selected){$('zvkrr-legal-note').textContent='Bitte Rentenbeginn ausw\u00e4hlen.';return}if(selected.value==='custom'){var customAge=parseInt($('zvkrr-retirement-age').value,10),customMonths=parseInt($('zvkrr-retirement-months').value,10)||0;if(isNaN(customAge)){ $('zvkrr-legal-note').textContent='Bitte Rentenalter eingeben.';return }if(customAge<17||customAge>100||customMonths<0||customMonths>11){$('zvkrr-legal-note').textContent='Bitte g\u00fcltiges Rentenalter und 0 bis 11 zus\u00e4tzliche Monate eingeben.';return}$('zvkrr-legal-note').textContent='Rentenbeginn: '+dateText(pensionDate(p,customAge,customMonths))+' (Alter '+customAge+(customMonths?' 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Pers\u00f6nliche Angaben Geburtsdatum Start der Berechnung: 01.01.2027 2. Rentenbeginn Gesetzliche Regelaltersrente Benutzerdefiniert Jahre Monate zus\u00e4tzlich&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-163683","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/zvk.meinezvk.de\/index.php?rest_route=\/wp\/v2\/pages\/163683","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zvk.meinezvk.de\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/zvk.meinezvk.de\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/zvk.meinezvk.de\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/zvk.meinezvk.de\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=163683"}],"version-history":[{"count":16,"href":"https:\/\/zvk.meinezvk.de\/index.php?rest_route=\/wp\/v2\/pages\/163683\/revisions"}],"predecessor-version":[{"id":163725,"href":"https:\/\/zvk.meinezvk.de\/index.php?rest_route=\/wp\/v2\/pages\/163683\/revisions\/163725"}],"wp:attachment":[{"href":"https:\/\/zvk.meinezvk.de\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=163683"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}