Calculate your pension gap: is your retirement provision enough?
Germany's statutory pension rarely covers the standard of living you want in retirement. Enter your age, capital and savings rate — the calculator shows whether a pension gap is looming and how large it is.
Simplified model with fixed assumptions on returns, inflation and life expectancy — not investment or pension advice.
Pension gap found: your capital runs out at 87 — 3 years too early.
At 67 you'd have around €340,531.00 in today's purchasing power.
Capital at retirement
€641,744.00
Capital needed
€687,523.00
Pension gap
€45,779.00
In short
What determines your pension gap
Three things that decide the size of your own pension gap.
What is a pension gap?
The difference between your desired retirement income and what the statutory pension plus your own capital actually cover.
Why the statutory pension often isn't enough
Pension levels are falling long-term while life expectancy rises — the gap between final salary and pension is growing for most cohorts.
How your own capital closes the gap
The earlier you start saving, the more compound interest contributes toward the capital you need — the calculator shows you the difference directly.
Frequently asked questions
Pension gap questions
The pension gap is the difference between your desired standard of living in retirement and your actual statutory pension — often several hundred euros a month that has to come from private provision.
The calculator projects your capital up to retirement (savings rate, compound interest) and compares it with the capital needed to cover your desired income minus the statutory pension over your remaining life expectancy.
This is a simplified model with fixed assumptions on returns, inflation and life expectancy — a general guide, not individual financial or pension advice.
The usual levers are: start earlier, increase your savings rate, or delay retirement. Planafolio also shows you exactly how these levers affect your own pension gap.
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