Calculate your pension gap

Example: Your optimal monthly pension income is 3.790 € based on your expected monthly income before retirement at age 67. To maintain your pre-retirement lifestyle, you need to cover a pension gap of 1.074 €.

Here are solutions to close your pension gap

The right pension solution can ensure you have a financially secure retirement at the lowest cost. It's never too late to prepare, but the sooner the better.
Recommended Pensionfriend Pension Plan
Buy your own home
Investment property
One-time investment
0 €
58.000 €
30.500 €
Monthly investment
575 €
250 €
250 €
Expected rate of return
6,08 %
7,42 %
6,86 %
Retirement age
67
69
67
Customize and choose your solution
Customize and choose your solution
Our recommendation assumes:
You wish to have the same living standard as before your retirement
Predicted income growth of 1,5 %
Inflation of 0 % over time
The official retirement age in Germany is increasing by 1 year every 10 years
Life expectancy of 85 years

Try different monthly and one-time contributions to see how your pension solutions change

575 € suggested
29.500 € suggested

Use the graph to compare the impact of different pension solutions. Adjust the amount you want to invest to see how it affects your retirement age.

The upward sloping lines show the potential of each asset option to generate retirement income. Once the asset option line crosses the feasible retirement age line, it means you will have enough pension income to maintain your lifestyle.

Compare your retirement age and payout with different solutions

With a monthly contribution of 575 € and one-time contribution of 29500 €, you can potentially retire 9 years earlier with your recommended pension solution.
Recommended
Pensionfriend
Pension Plan
One-time investment
29.500 €
Monthly investment
575 €
Expected rate of return
6,21 %
Monthly pension
2.204 €
Retirement age
65
Request your pension offer
Free & Non-binding
View assumptions
Buy your
own home
One-time investment
-
Monthly investment
-
Expected rate of return
-
Monthly income
-
Retirement age
-
See what you can afford
Free & Non-binding
View assumptions
Investment property
One-time investment
29.500 €
Monthly investment
575 €
Expected rate of return
5,96 %
Monthly income
2.170 €
Retirement age
66
Free & Non-binding
View assumptions
Jan Bandke
Pension & insurance expert

Request more information about your pension options

Free and non-binding
Get the most objective recommendations
We’re here to answer all your questions
Request your offer

Learn more about closing your pension gap