🧓 Pension Calculator – Calculate Your Future Pension Realistically
With the Pension Calculator, you can estimate how high your monthly pension will be in retirement – considering statutory, company, and private retirement provisions. The calculator shows you both the nominal pension amount at the start of retirement and the current purchasing power, including inflation, taxes, and contributions.
You can run through various scenarios to identify your personal pension gap and plan countermeasures early on.
💡 What You Can Calculate
- Projected monthly pension (gross and inflation-adjusted)
- Required monthly income in retirement
- Your pension gap – the difference between desired and actual pension
- Recommended additional savings rate to close this gap
- Effects of inflation, returns, and payout duration
⚙️ How the Pension Calculator Works
- Enter your current contributions, income, and retirement age.
- Supplement optional values such as returns, inflation, tax burden, and health insurance.
- The calculator simulates your pension entitlements from
- Statutory pension
- Company pension scheme (bAV)
- Private provision or ETFs
- You see your pension in today's purchasing power, the total amount over the payout phase, and your individual pension gap.
🧮 Why This Calculator is Important
The statutory pension alone is often insufficient to maintain the accustomed standard of living. With the Pension Calculator, you get a realistic overview of your retirement provision – and recognize the size of your gap between desired and real income in retirement.
It helps you to plan a savings strategy or private supplement early on to ensure your financial security in retirement.
📝 Notes
The calculations are based on assumptions regarding inflation, returns, and life expectancy. Actual values may deviate due to market changes or pension reforms. Use the results as guidance, not as an exact prognosis.
💬 Tip
Combine the Pension Calculator with the Finanzielle-Freiheit-Rechner (Financial Freedom Calculator) to see how your savings rate and investments impact your financial independence in the long term.