Retirement planner Calculator: Does my plan get me to retirement?

Age today32 years

Retirement age67 years

Gross salary per month€4,500

Years already paid in Germany3

Desired income in retirement (today's money)€2,500

Estimate my state pension

Other pensions (company, abroad)€0

Current savings€10,000

Monthly saving€250

Return p.a.5 %

Everything in today's money (2% inflation p.a.). Pension estimate: pension points × pension value €42.52 (from 1 July 2026), gross before health insurance and tax. Drawdown until 85. Your Renteninformation is more accurate.

Monthly gap820€state pension approx. €1,680

Your savingsRequired path

Capital needed at 67: €137,441
Projected: €211,140
Surplus: €73,699
Required monthly saving from today: €149
… if you wait 1 year: €158
… if you wait 3 years: €176
… if you wait 5 years: €196

Guides on this topic

Retirement10 minEN

The German Pension System Explained: What Expats Need to Know About Gesetzliche Rentenversicherung

Germany's statutory pension is the backbone of retirement planning — but is it enough? Here's how the system works, what you're entitled to, and why most expats need more than just the Gesetzliche Rente.

Read

Further along the lifeline

Tools that fit

How big is my pension gap?

Pension gap

The quick estimate in three sliders.

Calculate How long will my money last?

Drawdown plan

How long your savings last if you withdraw a monthly amount.

Calculate What is left of my salary?

Gross to net

What's left of your salary, by tax class, state and health insurance.

Calculate

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