📊 Free Calculator 2026
Retirement Gap Calculator — 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.
Calculate in 60 seconds how much pension you'll be missing — and what you can do about it now. Honest, transparent, free.
Disclaimer: This is a simplified estimate based on current pension values (2026) and serves only as an initial orientation. Your actual pension depends on many individual factors (contribution periods, earning points, pension progression, etc.). For binding advice, contact Sven Chalupa, Insurance Broker & Investment Advisor.
The statutory pension only covers the minimum subsistence level. On average, retirees receive only about 48% of their last gross salary.
By 2040, the pension level is expected to drop below 44%. The gap will therefore become even larger in the future.
The earlier you start with private retirement planning, the lower the monthly effort needed to close the gap.
Get personalized advice on closing your retirement gap — no obligation, no cost.
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