You can now sign up and get — if you like — your retirement plan as a PDF, an annual reminder to review it, and occasional updates about the project.

Answers to the most common questions: how reliable the results are, which assumptions make sense, and how to use the tool if you're self-employed or have property.

Less to read, faster to the actual numbers — a consistent menu across all pages plus lots of small refinements.

A switcher in the header (EUR, USD, GBP, CHF, JPY, CNY) — display only, no conversion. Handy if you'd rather not see your numbers in euros.

Instead of a fixed 25%, there's now a slider (0–50%) — it applies equally to all assets, so ETFs and cash deposits alike.

A slim bar at the top of the header shows where you are (Gap → Close → Compare) — click to jump straight to that section.

Usage and content reworked: the comparison now updates live as you change your inputs, and also shows the portfolio growth of both scenarios side by side.

The navigation links are now tucked into a menu; currency and language remain the only visible elements.

The bottom navigation bar now shows numbered circles with checkmarks for completed steps instead of icons.

Inflation, pension indexation, and pension deductions are now collapsed by default — the current value still shows right in the header.

If nothing has changed since scenario A, it now says so explicitly instead of sending you back without explanation.

The calculator is now organized into three clear steps: Gap → Close → Compare. On desktop they sit one below the other — inputs on the left, results on the right, all visible at once. On mobile you move through them step by step instead of scrolling endlessly.

Your traffic-light status and monthly gap now sit at the top and stay visible as you scroll. You always know where you stand, even further down the page.

Each step has its own heading, so you can see at a glance where you are and what comes next.

The small sketch of your pension statement (which figure to read where) now shows on mobile too, and you can tap it to zoom in.

A new view right below the status indicator: it shows month by month up to age 100 what covers your needs — your income and withdrawals from your investments. Switchable to today's purchasing power.

Every investment now appears with its own label and colour in the chart, so you can find your positions again at a glance. Your monthly savings rate can be assigned to one of them.

An expandable explanation with a diagram right below the asset chart: why the buffer is built before retirement, where your savings rate flows during that time, and what the trade-off between liquidity and return means.

Precious metals, property and fixed-term deposits now appear as a compact overview below the new chart — as a note, still without any effect on the calculation or the status indicator.

On your phone you can now switch between inputs and results at the top instead of scrolling endlessly.

Every result block and the GRV estimator can be collapsed and expanded — and your chosen view is remembered. So everyone sees exactly what matters to them at a glance.

“Pension sources” becomes “Income during retirement” — including private and company pensions, life insurance and rental income. The first step towards bringing property back into the calculation!

More legible labels in the asset chart, a taller plot and clearer colours — plus a leaner interface where explanations move into info icons exactly where they are needed.

The comparison now shows more comprehensively which inputs differ between scenario A and B — including inflation, pension indexation, interest, retirement need and retirement age. Changed assumptions come first, since they explain the differences in results. The comparison is also fully translated now.

Your statutory pension now grows too: the annual pension indexation is adjustable (0–3.5%, default 2.5%) and feeds into the annual gap, the buffer and the status indicator. Validated against an independent 500-scenario test suite plus 1,000 additional cases with indexation rates between 0.5 and 3%, cross-checked with a second AI (Gemini) — the only two discrepancies turned out, after manual review, to be errors in the cross-check.

The English version now asks which country your statutory pension comes from — the German GRV estimator only appears when Germany is selected.

Less permanent text, more on demand: explanations moved into info icons and collapsible boxes (including the withdrawal strategy and the gap calculation walkthrough), the two annual tables share one card with a tab switch, and gender and inflation scenario are now buttons.

The wealth chart now shows when the annual shift into cash begins — the rise shortly before retirement is strategy, not a bug. Thanks for flagging this in the feedback!

The most-requested feature is here: versorgt is now fully available in English. Switch in the top right — your language is remembered.

The basic version has been cleaned up and simplified — for a quick, easy start without unnecessary inputs. Switch to the advanced version anytime for more control.

Gold and silver are now only sold once the ETF reserve is fully used up — as a last reserve, before the cash buffer shrinks. With its own, adjustable return assumption.