versorgt

ich · wir · die Kinder

Gap — /mo
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Schritt 1 · Lücke

Personal Details
Current Age40 Jahre
Retirement Age67 Jahre
Basic Assumptions
Inflation – ScenarioModerate · 2.5 %
Why 2.5% as default?
Based on the historical 50-year average in Germany. The value includes a safety margin on top of the official 2.0% ECB target, to realistically buffer future risks such as demographic change and energy costs. Sources: German Federal Statistical Office (Destatis) & European Central Bank (ECB).
Income during retirement
Expected pensions (gross, today)
Statutory pension – Germany only
Statutory Pension Estimator
A rough estimate follows just from your salary. It gets more accurate with ② from your pension statement.
Part-time or earlier retirement?
Pension Statement Your Pension Statement 1 Disability pension 1.010,00 EUR 2 reached so far 795,00 EUR 3 projected 2.656,00 EUR schematic – this is how the statement is structured
The result will appear here once you enter your salary.
What do the three numbers on the statement mean?
① Disability pension – not relevant here.
② Entitlement reached so far – without further contributions.
③ Projected standard retirement pension – if you keep contributing as before.

Full-time: enter ③ as shown. Ignore the higher "approx." amounts with a built-in 1–2 % adjustment – you set the pension adjustment yourself with the slider above.
Part-time or earlier retirement: then ③ won't be accurate – the estimator above calculates this for you.
Source
€/month gross
Pension indexation (% p.a.)2.5 %
Pension indexation (% p.a.)
Applies to all retirement income; 2.5% default based on Germany's statutory pension adjustment.
 2.5 %
Deductions on pension (taxes + social contributions)20 %
Deductions on pension (taxes + social contributions)
Automatically deducted from your statutory pension: health insurance (~7%), long-term care insurance (~2%), and income tax (~11%) — pensions are taxed "deferred", meaning only when paid out, not when contributed. Together approx. 20%. Church tax (8–9% of the income tax, depending on the federal state) is not included.
 20 %
Where your retirement money comes from
Monthly need, split by source
Key figures
Capital lasts until
—
Capital at retirement start
—
Start of year, before withdrawal and interest
In Detail
Gap at retirement start
—
— /month
— in year 1
Target buffer at retirement
The liquid safety buffer for the next 5 years — the money already sitting safely in cash at retirement start.
—
How the annual gap is calculated ▶
Schritt 2 · Schließen
Reserves / Cash
Cash interest (% p.a., gross)2,0 %
Assets / ETFs
Existing assets
Name
Value (€)
Return assumption (% p.a., gross)
Reference points: the MSCI World returned roughly 8% p.a. over the last 50 years (price index, as of 2026); as a net index in euros since 1975, roughly 9.7% p.a. — after costs, taxes and inflation, about 5% real remained. Individual 15-year windows ranged from 1.3% to 14% p.a. Enter the value BEFORE tax here: 7–8% gross corresponds to roughly 5.25–6% net once the 25% capital gains tax is deducted — a common, rather cautious planning value. Instant-access and fixed-term deposits currently pay around 2% p.a., gold has returned around 3–4% p.a. long term.

Name
Value (€)
Return assumption (% p.a., gross)
Reference points: the MSCI World returned roughly 8% p.a. over the last 50 years (price index, as of 2026); as a net index in euros since 1975, roughly 9.7% p.a. — after costs, taxes and inflation, about 5% real remained. Individual 15-year windows ranged from 1.3% to 14% p.a. Enter the value BEFORE tax here: 7–8% gross corresponds to roughly 5.25–6% net once the 25% capital gains tax is deducted — a common, rather cautious planning value. Instant-access and fixed-term deposits currently pay around 2% p.a., gold has returned around 3–4% p.a. long term.

Capital gains tax (%)25,0 %
Withdrawal logic / Liquid buffer
Target cash buffer (years)5 Jahre
Fixed-term deposits (info only)
Fixed-term deposits have a set maturity that cannot be modelled cleanly here. So for now they only count as a note — no growth, no contribution to closing the pension gap, no effect on the traffic light.
Fixed-term accounts
Real Estate (info only)
Currently not part of the asset calculation — no growth, no contribution to closing the pension gap, no effect on the traffic light. The value is just a note. A proper model (including tax exemption after the holding period) will follow.
Own home, rental etc.
Conservative, simple logic for easy reproducibility
Savings are added at year-end and earn no interest in the year they are paid in. Rounding is applied to the display only. Taxes are deducted at a fixed percentage; tax advantages are ignored.
✓
Calculating …
Green means your money lasts until the planning horizon — set 10% above your statistical life expectancy (e.g. 84 → 92). Note: this 10% is only the traffic-light threshold, not a reliable hedge against a long life — see the detail below under Capital lasts until for how long your money actually lasts. If the money lasts to life expectancy but not to the horizon, the light shows amber.
Enter your data on the left.
▶ How the withdrawal logic works
SAVE & BUILD BUFFER IN RETIREMENT Asset keeps working higher return Shift 1 gap per year Cash buffer liquid & safe years ahead Withdrawal from buffer Pension gap covered monthly topped up from your assets each year in retirement, while they last

The trade-off between liquidity and return. Your assets — for example an ETF or precious metals — earn more than cash over the long run but fluctuate. Instead of selling everything at retirement, from a few years before onward one annual gap per year is shifted from your assets into cash — the next withdrawals sit safely ready, the rest keeps working.

The buffer covers the 5 years (adjustable) before retirement with exactly the money you will need in your first retirement years. During that time your savings rate also goes into cash instead of your assets — no buying while selling.
So in a crash you never have to sell at the bottom. More buffer = more safety, but less return.

The buffer currently uses 5 years. → Adjust buffer

Capital trajectory
Stand am Jahresende, aufgeteilt nach Anlageform
Detailed asset overview
SoY = start of year, EoY = end of year. "Total SoY" is ETF + cash at the start of the year, before interest and the savings rate. "Remaining EoY" is the same pot at year-end — after interest, after the savings rate paid in at year-end, and after the buffer transfer.
AgeTotal SoYCash SoY Target buffer EoYETF→Cash EoYRemaining EoY
Schritt 3 · Vergleich
Szenario-Vergleich
Szenario A
Szenario B (aktuell)

versorgt helps you calculate your personal retirement gap — regardless of what future pension reforms bring. See at a glance whether your statutory pension, savings, and investments will be enough in retirement, or whether you should start saving more now.

All figures are simulations based on your inputs and assumptions (returns, inflation, pension indexation, taxes) — not financial, tax, or investment advice. Results may differ from reality and do not replace verification with independent tools or a qualified professional. Use at your own risk; no liability is assumed for errors or decisions made based on this tool.