How big is your retirement gap?
Calculate in 60 seconds how much pension you'll be missing — and what you can do about it now. Honest, transparent, free.
Based on 2026 DRV data
No data stored
By an IHK-registered broker
Your Details
3,500 € / month
€1,500€10,000
35 years
1860
How does this calculator work?
This calculator estimates your retirement gap — the difference between the income you'll need in retirement and what the statutory pension actually provides.
- Statutory pension alone is not enough: On average, retirees receive only about 48% of their last gross salary from the statutory pension.
- Pension levels are declining: By 2040, the pension level is expected to drop below 44%. The gap will therefore become even larger in the future.
- Acting early pays off: The earlier you start with private retirement planning, the lower the monthly effort needed to close the gap.
This result is a rough estimate and does not replace individual consultation. Your actual pension depends on many individual factors. Book a free initial consultation for binding advice.
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