Calculate the household allowance from the relevant subscriber’s age, then compare BHW and Wüstenrot access channels, published costs and contractual flexibility.
Calculate my tax saving2026 calculator
The household allowance depends on the subscriber’s age or the younger adult subscriber in a jointly assessed couple.
The engine applies the legal ceiling, calculates the additional reduction in taxable income, then reuses the progressive 2026 scale and employment-fund surcharge. It does not simulate an ACD decision, foreign taxation or future product taxation.
Provider comparison
Several distributors offer BHW or Wüstenrot products. Request a written quotation showing the savings rate, future loan rate and all arrangement fees.
Factual comparison. No sponsored ranking and no contract is concluded through GlobalFiscalLab.
Checked on 11/09/2026
5 results of 5
| Product and opening | Minimum contribution | Investments / guarantee | Published fees | Flexibility |
|---|---|---|---|---|
BHW home savings contract BHW Bausparkasse · via Spuerkeess Spuerkeess adviser or branch With an adviser | Not disclosed on the information page | Savings at a guaranteed credit rate with potential access to a future home savings loan | By quotation Arrangement fee and plan tariff are not published on the page; request a written quotation | Payments follow the proposed BHW plan; eligible housing use is required Spuerkeess — BHW contract |
Home savings contract Wüstenrot Bausparkasse · via BGL BNP Paribas Appointment with a BGL BNP Paribas adviser With an adviser | Not disclosed on the product page | Contractual savings and potential future mortgage at agreed terms | By quotation Arrangement fee and quantified tariff are not disclosed; request a written quotation | Contribution and contract sum are set in the Wüstenrot quotation BGL BNP Paribas — Wüstenrot |
Home savings contract Wüstenrot Bausparkasse · via BIL Appointment with a BIL adviser With an adviser | Chosen monthly amount; minimum not disclosed | Capital and interest presented as secure, with possible access to a home loan | By quotation No quantified tariff or arrangement fee disclosed on the product page | Monthly amount selected on subscription, under the proposed contract BIL — Wüstenrot |
Home savings contract Wüstenrot Bausparkasse · via Foyer Foyer agent; application handled by Wüstenrot’s Luxembourg branch With an adviser | Not disclosed on the information page | Home savings that may be combined with housing finance | By quotation Plan tariff is not published on the page; compare the contractual proposal | Exact terms depend on the proposed Wüstenrot tariff Foyer — Wüstenrot |
Home savings contract Wüstenrot Bausparkasse · via Raiffeisen Branch appointment or telephone contact with Raiffeisen With an adviser | Not disclosed on the product page | Guaranteed interest, future housing finance and an advertised youth bonus | In product documents No quantified schedule on the page; review the brochure and written quotation | Terms depend on the selected Wüstenrot contract Raiffeisen — Wüstenrot |
BHW Bausparkasse · via Spuerkeess
Wüstenrot Bausparkasse · via BGL BNP Paribas
Wüstenrot Bausparkasse · via BIL
Wüstenrot Bausparkasse · via Foyer
Wüstenrot Bausparkasse · via Raiffeisen
Decision
Request a quantified written answer where a product exists. Marketing material does not replace full terms, complete fees or a suitable proposal.
01
It can erase several years of interest. Ask for the amount in euros and as a percentage of the contract sum.
02
Compare the net return during the savings phase, not just the tax saving.
03
Check the future rate, allocation timing, required savings effort and available loan amount.
04
Review termination terms and tax consequences if the funds are not used for your own home.
Analysis
Worked example
If they are assessed jointly and the younger adult subscriber is 38 at the start of the year, the theoretical limit is 4 × €1,344, or €5,376, subject to eligible contracts and contributions.
2026 rules
Frequently asked questions
The subscriber, or the younger adult subscriber in a jointly assessed couple, must be aged 18 to 40 at the start of the tax year.
Yes. Each child qualifying for tax relief multiplies the unit allowance applying to the household.
The deduction targets a home used for personal needs. Confirm any other intended use with the ACD before treating it as eligible.
Not necessarily. Tariffs and contract sums vary. Where no usable price is public, request a written quotation.
Related reading
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