First the honest maths – with inflation and German taxes, and no insurance offers. Then compare scenarios: €500 or €1,000 a month? ETF or savings account? Part-time or full-time? You see straight away how many years longer your money lasts – and what the withdrawal plan for your retirement years looks like.
Close your pension gap now →Most calculators only tell you that a gap exists. Here you can try out what makes it smaller.
State pension, assets, property, precious metals – with inflation and capital gains tax. The result: the age up to which your money lasts.
Not just saving until 67: the strategic withdrawal plan shows which pot is drawn down in which year – with a safety buffer for weak market years.
Pin scenario A, change one variable – both versions sit side by side. Only the difference is shown, plus one plain sentence: “Scenario B is better: your capital lasts 6 years longer.”
Every assumption is adjustable – inflation, returns, safety buffer, pension adjustment. Each variable can be played through on its own, measured in years and in euros.
Change the savings rate and see how many retirement years the extra €500 actually buy you.
Put investments with different returns head to head – after tax and after inflation.
Enter the state pension for both cases and follow the difference right through to retirement.
Turn the assumptions themselves into a variable and see how sensitive the plan is to them.
Know your own gap first, then secure your family – and give your children a head start that compounds.
The main calculator: your pension gap from state pension, assets, precious metals and property – with a strategic withdrawal plan, a concrete savings recommendation and the scenario comparison.
Two pensions, one household: your gap as a couple – and what happens if one of you is no longer there.
What part-time years really cost in pension – and what savings rate closes the gap again.
50 € from birth or saving later yourself? The savings plan calculator shows the price of waiting – and what life will cost at 70.
Inflation and German capital gains tax are included – nominal and in today's purchasing power. No sugar-coating.
The calculation logic is verified: a second, independently built implementation of the same specification returns identical results across 1,500 differential test cases.
No account, no e-mail, no data sharing. Your inputs never leave your browser.
No affiliate links, no commission-driven product picks. Just numbers.
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