Personal finance tool

Retirement gap calculator

See how much statutory pension you may receive, what net income you need in retirement, and how much to save each month to avoid a shortfall.Simplified model — not tax or pension advice.

Your assumptions

Generated Jun 27, 2026, 7:48 AM

Current age: 35 years
Retirement age: 67 years
Life expectancy: 85 years
Gross monthly income: 4,000
Current savings: 25,000
Return until retirement: 6%
Return in retirement: 3%
Target (% of spendable net): 80%
Inflation: 2%
Increase savings with inflation: No
Salary growth: 2%
Tax class: I
Church tax: No
Children (lower care insurance rate): Yes

Simplified estimate — not tax, pension, or investment advice.

Required monthly savings: 130 · Monthly gap at retirement: 1,923

Scenario comparison

Age and return sensitivity — same income and savings unless noted.

Age scenarios

How required savings change if you start planning at different ages — same income and savings as today.

Age	Yrs	Savings/mo	% net	Gap/mo	Pension/mo	Capital
20	47	28	1.1%	3,016	2,239	502,848
25	42	55	2.1%	2,596	2,113	432,839
30	37	88	3.4%	2,234	1,976	372,522
35 (You)	32	130	5%	1,923	1,826	320,614
40	27	184	7%	1,646	1,676	274,492
45	22	253	9.7%	1,388	1,536	231,476
50	17	343	13.1%	1,142	1,405	190,385
55	12	467	17.9%	896	1,285	149,477
60	7	658	25.2%	639	1,161	106,540
65	2	976	37.3%	318	1,048	52,993
66	1	1,067	40.8%	238	1,027	39,698

Return until retirement

Same plan with a different pre-retirement portfolio return.

Return pre	Savings/mo	% net	Gap/mo	Capital
0%	517	19.7%	1,340	223,458
1%	453	17.3%	1,436	239,442
2%	388	14.8%	1,534	255,845
3%	322	12.3%	1,634	272,424
4%	256	9.8%	1,733	288,912
5%	192	7.3%	1,829	305,052
6% (You)	130	5%	1,923	320,614
7%	71	2.7%	2,012	335,411
8%	16	0.6%	2,095	349,320
9%	0	0%	2,119	353,382
10%	0	0%	2,119	353,382

Return in retirement

Same plan with a different drawdown return after retirement.

Return post	Savings/mo	% net	Gap/mo	Capital
0%	194	7.4%	1,827	394,531
1%	171	6.5%	1,861	367,803
2%	150	5.7%	1,893	343,207
2.5%	140	5.3%	1,908	331,670
3% (You)	130	5%	1,923	320,614
3.5%	121	4.6%	1,937	310,022
4%	112	4.3%	1,950	299,878
5%	96	3.7%	1,975	280,863

Net income today

2,617

After tax & social contributions

Net pension at retirement

2,412 gross

1,826

≈ 969/mo in today's purchasing power

Spendable net today

2,487

After savings, BU/RL & insurance

Target net at retirement

3,749

≈ 1,989/mo today (80% of spendable net)

Monthly gap at retirement

1,923

≈ 1,020/mo in today's purchasing power

Monthly savings needed

130

To close the gap by retirement

Savings rate

5.0% of surplus

5.0%

Share of your net income to save

Capital required at retirement

320,614

≈ 170,129 in today's purchasing power · depleted by age 85

Inflation-adjusted view

Nominal amounts at retirement compared with today's purchasing power over 32 years at 2% inflation.

Price level

×1.89

Metric	At retirement (nominal)	Today's purchasing power
Net pension / month	1,826	969
Target net / month	3,749	1,989
Monthly gap	1,923	1,020
Capital needed	320,614	170,129

Deflated using assumed inflation of 2.0% p.a. Nominal figures are what you would see on payslips and statements at retirement; today's purchasing power makes them comparable to your income now.

Income bridge to retirement

From today's target net to the remaining gap after pension

Savings projection

Portfolio growth until retirement

Retirement income timeline

Pension plus portfolio withdrawals until life expectancy

Age scenarios

How required savings change if you start planning at different ages — same income and savings as today.

Chart metric

Age	Years left	Monthly savings	% of net	Gap	Net pension	Capital needed
20	47	28	1.1%	3,016	2,239	502,848
25	42	55	2.1%	2,596	2,113	432,839
30	37	88	3.4%	2,234	1,976	372,522
35You	32	130	5%	1,923	1,826	320,614
40	27	184	7%	1,646	1,676	274,492
45	22	253	9.7%	1,388	1,536	231,476
50	17	343	13.1%	1,142	1,405	190,385
55	12	467	17.9%	896	1,285	149,477
60	7	658	25.2%	639	1,161	106,540
65	2	976	37.3%	318	1,048	52,993
66	1	1,067	40.8%	238	1,027	39,698

Monthly savingsClick a column header or use the dropdown to change the chart.

Return scenarios

How required savings and capital change if portfolio returns differ from your assumption — all else equal.

Return until retirement

Same plan with a different pre-retirement portfolio return.

Return until retirement	Monthly savings	% of net	Gap	Capital needed
0%	517	19.7%	1,340	223,458
1%	453	17.3%	1,436	239,442
2%	388	14.8%	1,534	255,845
3%	322	12.3%	1,634	272,424
4%	256	9.8%	1,733	288,912
5%	192	7.3%	1,829	305,052
6%You	130	5%	1,923	320,614
7%	71	2.7%	2,012	335,411
8%	16	0.6%	2,095	349,320
9%	0	0%	2,119	353,382
10%	0	0%	2,119	353,382

Return in retirement

Same plan with a different drawdown return after retirement.

Return in retirement	Monthly savings	% of net	Gap	Capital needed
0%	194	7.4%	1,827	394,531
1%	171	6.5%	1,861	367,803
2%	150	5.7%	1,893	343,207
2.5%	140	5.3%	1,908	331,670
3%You	130	5%	1,923	320,614
3.5%	121	4.6%	1,937	310,022
4%	112	4.3%	1,950	299,878
5%	96	3.7%	1,975	280,863

Breakdown

Health insurance (KV): 412
Long-term care (PV): 74
Income tax on pension: 100
Entgeltpunkte (est.): 61.34
Access factor: 1.000

Share your results

Age

Yrs

Savings/mo

% net

Gap/mo

Pension/mo

Capital

1.1%

3,016

2,239

502,848

2.1%

2,596

2,113

432,839

3.4%

2,234

1,976

372,522

35 (You)

130

1,923

1,826

320,614

184

1,646

1,676

274,492

253

9.7%

1,388

1,536

231,476

343

13.1%

1,142

1,405

190,385

467

17.9%

896

1,285

149,477

658

25.2%

639

1,161

106,540

976

37.3%

318

1,048

52,993

1,067

40.8%

238

1,027

39,698

Return pre

Savings/mo

% net

Gap/mo

Capital

517

19.7%

1,340

223,458

453

17.3%

1,436

239,442

388

14.8%

1,534

255,845

322

12.3%

1,634

272,424

256

9.8%

1,733

288,912

192

7.3%

1,829

305,052

6% (You)

130

1,923

320,614

2.7%

2,012

335,411

0.6%

2,095

349,320

2,119

353,382

10%

2,119

353,382

Return post

Savings/mo

% net

Gap/mo

Capital

194

7.4%

1,827

394,531

171

6.5%

1,861

367,803

150

5.7%

1,893

343,207

2.5%

140

5.3%

1,908

331,670

3% (You)

130

1,923

320,614

3.5%

121

4.6%

1,937

310,022

112

4.3%

1,950

299,878

3.7%

1,975

280,863

Metric

At retirement (nominal)

Today's purchasing power

Net pension / month

1,826

969

Target net / month

3,749

1,989

Monthly gap

1,923

1,020

Capital needed

320,614

170,129

Age

Years left

1.1%

3,016

2,239

502,848

2.1%

2,596

2,113

432,839

3.4%

2,234

1,976

372,522

35You

130

1,923

1,826

320,614

184

1,646

1,676

274,492

253

9.7%

1,388

1,536

231,476

343

13.1%

1,142

1,405

190,385

467

17.9%

896

1,285

149,477

658

25.2%

639

1,161

106,540

976

37.3%

318

1,048

52,993

1,067

40.8%

238

1,027

39,698

Return until retirement

Monthly savings

% of net

Gap

Capital needed

517

19.7%

1,340

223,458

453

17.3%

1,436

239,442

388

14.8%

1,534

255,845

322

12.3%

1,634

272,424

256

9.8%

1,733

288,912

192

7.3%

1,829

305,052

6%You

130

1,923

320,614

2.7%

2,012

335,411

0.6%

2,095

349,320

2,119

353,382

10%

2,119

353,382

Return in retirement

Monthly savings

% of net

Gap

Capital needed

194

7.4%

1,827

394,531

171

6.5%

1,861

367,803

150

5.7%

1,893

343,207

2.5%

140

5.3%

1,908

331,670

3%You

130

1,923

320,614

3.5%

121

4.6%

1,937

310,022

112

4.3%

1,950

299,878

3.7%

1,975

280,863