Pension Gap Calculator
Calculate the difference between your needs in old age and the statutory pension.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What is the pension gap?
The pension gap is the difference between your expected statutory pension and the income you need in retirement. It shows how much additional private provision is necessary.
How can I close my pension gap?
Options include company pension schemes, Riester/Ruerup pensions, ETF savings plans, real estate, and voluntary additional contributions to the statutory pension.
What is the Pension Gap Calculator?
The pension gap calculator computes the difference between your income needs in retirement and your expected statutory pension.
How does the Pension Gap Calculator work?
Enter your desired net income in retirement and the expected statutory pension. The calculator computes the gap accounting for inflation and shows what private provision is needed to close it.
Key Data and Facts
Average pension gap: approx. 500-1,000 euros/month. Rule of thumb: 70-80% of last net income as target. Inflation reduces the real purchasing power of pensions.
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