Pension Gap Calculator
Calculate the difference between your needs in old age and the statutory pension. Current pension values, taxation rate and 2026 contribution limits included.
Pension gap / month (today)
1.000,00 €
Required monthly savings rate
403,02 €
Detailed calculation
Inflation-adjusted view
The calculation assumes a pension period of 20 years. Inflation and returns are assumptions. The actual pension gap depends on many factors. Without guarantee.
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.
Step-by-Step Guide
How to calculate Ihre Rentenluecke step by step: 1. Einkommensbedarf im Ruhestand schaetzen: Faustregel: 70-80 % des letzten Nettoeinkommens. Im Ruhestand entfallen Beitraege zur pension insurance (RV), Pendelkosten und ggf. Kredit. Dafuer steigen Gesundheitskosten und Freizeitausgaben. 2. Gesetzliche pension determine: Entnehmen Sie den Wert aus Ihrer jaehrlichen Renteninformation der DRV. Beachten Sie: Der Bruttobetrag wird um health insurance (KV)/long-term care insurance (PV) (ca. 11 %) und ggf. taxes gemindert. 3. Rentenluecke calculate: Gewuenschtes Nettoeinkommen minus erwartete Nettorente = monatliche Luecke. 4. Inflation beruecksichtigen: Bei 2 % Inflation verliert Geld in 20 Jahren ca. 33 % seiner Kaufkraft. 1.000 EUR heute entsprechen in 20 Jahren nur ca. 670 EUR Kaufkraft. 5. Benoetigtes Kapital calculate: Monatliche Luecke x 12 x erwartete Rentendauer (z. B. 20 Jahre) = notwendiges Vermoegen. Beispiel: employee, 42 Jahre, net 3.000 EUR, erwartete gesetzliche Nettorente (bei pension start mit 67): 1.500 EUR. Gewuenschtes income im Ruhestand (75 %): 2.250 EUR. Rentenluecke: 2.250 - 1.500 = 750 EUR/month. Bei 20 Jahren Rentenbezug: 750 x 12 x 20 = 180.000 EUR benoetigtes Kapital. Mit Inflation (2 %, 25 Jahre bis pension): reale Luecke steigt auf ca. 1.210 EUR/month. Benoetigtes Kapital real: ca. 290.000 EUR. Notwendige monatliche Sparrate (bei 5 % Rendite, 25 Jahre): ca. 480 EUR.
Calculation Example
net 3.000 EUR, erwartete Nettorente 1.500 EUR, Ziel 75 % (2.250 EUR). Rentenluecke: 750 EUR/month. Benoetigtes Kapital (20 Jahre Bezug): 180.000 EUR. Mit Inflation (25 Jahre, 2 %): ca. 290.000 EUR, Sparrate ca. 480 EUR/month bei 5 % Rendite.
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