{"id":279,"date":"2026-10-03T15:28:04","date_gmt":"2026-10-03T14:28:04","guid":{"rendered":"https:\/\/wpcalc.com\/de\/aufgeschobene-rente-zahlung\/"},"modified":"2026-10-03T15:28:04","modified_gmt":"2026-10-03T14:28:04","slug":"aufgeschobene-rente-zahlung","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/de\/finanzen\/aufgeschobene-rente-zahlung\/","title":{"rendered":"Rentenrechner f\u00fcr aufgeschobene Renten"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Aufgeschobene Rentenzahlungen mit Zinsen berechnen<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"279\" data-favorite-title=\"Aufgeschobene-Rente-Zahlung\" data-favorite-url=\"https:\/\/wpcalc.com\/de\/finanzen\/aufgeschobene-rente-zahlung\/\" data-favorite-excerpt=\"Dieser Rechner hilft Ihnen, die feste Zahlungsh\u00f6he einer aufgeschobenen Rente zu bestimmen \u2013 also einer Rente, bei der die Auszahlungen nach einer festgelegten Verz\u00f6gerung beginnen. Er ist n\u00fctzlich f\u00fcr die Rentenplanung, die Bewertung von Investitionen und zum Verst\u00e4ndnis, wie sich die Zeit auf den Wert einer Rente auswirkt.\" aria-label=\"Zu Favoriten hinzuf\u00fcgen\" data-favorite-icon=\"icon icon-rate-up\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/de\/finanzen\/aufgeschobene-rente-zahlung\/\" method=\"POST\" class=\"calculator\" id=\"calculator-279\" data-post=\"279\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Eingabefelder<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Barwert der Rente<\/label><div class=\"term\">P<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"barwert_der_rente\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Barwert der aufgeschobenen Rente<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Jahreszinssatz<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"jahreszinssatz\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Jahreszinssatz f\u00fcr die Abzinsung<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Anzahl der Zahlungen<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"anzahl_der_zahlungen\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"10\"\/><small id=\"calc-info-3\">Gesamtzahl der Rentenzahlungen<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">Aufschubzeitraum (Jahre)<\/label><div class=\"term\">d<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"aufschubzeitraum_jahre\" id=\"field-4\" aria-describedby=\"calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5\"\/><small id=\"calc-info-4\">Wie viele Jahre bis die Rentenzahlungen beginnen<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Neu berechnen\" id=\"calculate-button\" data-post=\"279\">Berechnen<\/button><button type=\"reset\">Zur\u00fccksetzen<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Automatisch berechnen<\/label><small>Wenn aktiviert, wird das Ergebnis automatisch aktualisiert, sobald Sie einen Wert \u00e4ndern.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Ihre Ergebnisse<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Rentenzahlung bei aufgeschobener Rente<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Link zu dieser Berechnung kopieren<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Kommentar schreiben<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"279\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Wie finden Sie dieses Ergebnis?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Gef\u00e4llt mir <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Hilfreich <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Verwirrt <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Entt\u00e4uscht <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Ungenau <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<p><style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Formel f\u00fcr die Zahlung einer aufgeschobenen Rente<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Formel<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n$$PMT = \\frac{P}{\\left(1 - \\frac{1}{(1 + r)^n}\\right)} \\div (1 + r)^d$$\n<\/div>\r\n\t<\/figure>\r\n\t<br \/>\n<strong>Dabei gilt:<\/strong><\/p>\n<ul>\n<li><strong>PMT<\/strong> \u2013 periodische Zahlung<\/li>\n<li><strong>P<\/strong> \u2013 Barwert der Rente<\/li>\n<li><strong>r<\/strong> \u2013 Zinssatz pro Periode (dezimal)<\/li>\n<li><strong>n<\/strong> \u2013 Anzahl der Zahlungsperioden<\/li>\n<li><strong>d<\/strong> \u2013 Anzahl der Perioden, um die die Zahlungen aufgeschoben werden<\/li>\n<\/ul>\n<p>Diese Formel passt die Rentenzahlung an, indem sie \u00fcber den Aufschubzeitraum abgezinst wird.<br \/>\r\n<\/section><br \/>\nEine aufgeschobene Rente verz\u00f6gert die Auszahlung von Eink\u00fcnften, sodass vor Beginn der Auszahlungen Zinsen anfallen k\u00f6nnen. Dieser Rechner eignet sich ideal, um Renteneink\u00fcnfte oder Anlagerenditen zu sch\u00e4tzen, wenn die Auszahlungen erst nach mehreren Jahren beginnen. Die Formel ber\u00fccksichtigt sowohl die Laufzeit der Rente als auch den Zeitwertverlust w\u00e4hrend der Aufschubphase.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dieser Rechner hilft Ihnen, die feste Zahlungsh\u00f6he einer aufgeschobenen Rente zu bestimmen \u2013 also einer Rente, bei der die Auszahlungen nach einer festgelegten Verz\u00f6gerung beginnen. Er ist n\u00fctzlich f\u00fcr die Rentenplanung, die Bewertung von Investitionen und zum Verst\u00e4ndnis, wie sich die Zeit auf den Wert einer Rente auswirkt.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[48],"class_list":["post-279","post","type-post","status-publish","format-standard","hentry","category-finanzen","tag-zinsen"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts\/279","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/comments?post=279"}],"version-history":[{"count":1,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts\/279\/revisions"}],"predecessor-version":[{"id":4292,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts\/279\/revisions\/4292"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/media?parent=279"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/categories?post=279"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/tags?post=279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}