Calculator · Retirement
What's missing for your retirement?
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In simplified terms: your gross annual income divided by the national average wage gives pension points (Entgeltpunkte). These are then multiplied by the current pension value (Rentenwert).
Most employees face a gap of EUR 500-1,500 per month between their statutory pension and their desired standard of living.
The earlier the better. Thanks to compounding, an early start requires noticeably smaller monthly amounts.
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Calculate now →Calculate your wealth after 10, 20, or 30 years, optionally with German tax deduction (Vorabpauschale).
Calculate now →How much financial cushion do you need?
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Calculate now →Calculate tax-free allowances and tax liability
Calculate now →What will your child's savings plan grow to?
Calculate now →When will you reach financial independence?
Calculate now →How long will your assets last?
Calculate now →This calculation is a simplified estimate. For binding information, contact the Deutsche Rentenversicherung (the German statutory pension provider).
Inputs
18–65 years
55–70 years
0–50 years
Desired net income in retirement (monthly)
Existing private provision (current value)
Expected return p.a.
Your pension gap
Monthly pension gap
−EUR 1.050,55missing each month between the pension and your desired standard of living
Composition
State pension estimated · simplified estimate
Estimated state pension based on remuneration points
Note
This calculation is a simplified estimate. Your actual pension depends on many factors (pension adjustments, contribution ceilings, child-rearing periods). For a binding statement, contact the Deutsche Rentenversicherung.
You need EUR 441.949,17 for your retirement provision. With Investboard you track your progress automatically, with a forecast, milestone markers and daily updates.
Your calculation result is carried over automatically as a goal target.