Retirement Provision Calculator
Plan your private retirement provision. Calculate the required savings rate for your desired income in retirement. Free with amortization schedule, interest.
Nötige monatliche Savings rate
287,47 €
Benötigtes Kapital bei Renteneintritt
286.524,27 €
Gesamte Depositen
127.637,07 €
Davon Interest/Return
158.887,20 €
| Startverzoegerung | Sparzeit | Nötige Sparrate | Mehrkosten |
|---|---|---|---|
| Jetzt starten | 37 Jahre | 287,47 € | - |
| 5 Jahre später | 32 Jahre | 374,49 € | +87,02 €/Monat |
| 10 Jahre später | 27 Jahre | 498,59 € | +211,12 €/Monat |
| 15 Jahre später | 22 Jahre | 685,31 € | +397,84 €/Monat |
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 types of retirement provision exist in Germany?
Germany has three pillars: statutory pension insurance (1st pillar), company pension (2nd pillar), and private provision like Riester, Ruerup, ETF plans, or life insurance (3rd pillar).
How much should I save for retirement?
Experts recommend aiming to replace 70-80% of your last net income. The pension gap (difference between statutory pension and target income) should be closed through private and company provision.
What is the Retirement Provision Calculator?
The retirement planning calculator shows how much you need to save for retirement to maintain your desired standard of living.
How does the Retirement Provision Calculator work?
Enter your desired retirement net income, expected statutory pension and your age. The calculator determines the pension gap and computes the required monthly savings contribution at an assumed rate of return.
Key Data and Facts
Average statutory pension 2026: approx. 1,100 euros (West) / approx. 1,250 euros (East). Standard pension level: approx. 48%. Inflation reduces the real purchasing power of pensions.
Step-by-Step Guide
How to calculate Ihre Versorgungsluecke step by step: 1. Gewuenschtes Nettoeinkommen im Ruhestand festlegen: Faustregel: 70-80 % des letzten Nettoeinkommens. 2. Erwartete gesetzliche pension pruefen: Renteninformation der Deutschen Rentenversicherung (kommt annually). 3. Versorgungsluecke calculate: Wunschrente minus gesetzliche pension. 4. Benoetigtes Kapital determine: Luecke x 12 Monate x erwartete Rentenbezugsdauer (z. B. 25 Jahre). 5. Noetige Sparrate calculate: Unter Beruecksichtigung der erwarteten Rendite und verbleibenden Sparjahre. 6. Inflation beachten: 2 % Inflation ueber 25 Jahre halbiert die Kaufkraft. Beispiel: employee, 35 Jahre alt, Nettoeinkommen 3.000 EUR. Wunschrente: 2.400 EUR (80 %). Erwartete gesetzliche pension (in heutigen EUR): 1.400 EUR. Versorgungsluecke: 1.000 EUR/month = 12.000 EUR/year. Benoetigtes Kapital (25 Jahre Ruhestand, 3 % Rendite): ca. 210.000 EUR. Sparrate bei 5 % Rendite, 32 Jahre bis pension: ca. 230 EUR/month.
Calculation Example
employee 35 J., net 3.000 EUR, Wunschrente 2.400 EUR, gesetzliche pension 1.400 EUR. Luecke: 1.000 EUR/month. Benoetigtes Kapital: ca. 210.000 EUR. Noetige Sparrate (5 % Rendite, 32 Jahre): ca. 230 EUR/month.
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