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Your desired pension: €2,400 a month (in today's prices).

€

Gross amount from your pension statement – or scan it. The calculator deducts health and long-term care insurance.

€
More details25 years until retirement · inflation 2%
%

Children

Your pension gap

per month, today

€1,172.90

€1,172.90

You would like €2,400.00 a month; €1,227.10 is expected (statutory pension after health and care insurance plus private provision). In 25 years the gap equals €1,924.27 after inflation. To close it, save €969.39 a month at a 5% return.

Statutory pension, gross
€1,400.00
Health and long-term care insurance
− €172.90
Statutory pension, netbefore income tax – whether any is due depends on the pension start year and other income
€1,227.10

Capital needed

Gap at retirement (inflation-adjusted)
€1,924.27
Withdrawal rate (4% p.a.)
4% rule
Target capital
€577,280.03

Monthly savings rate

Aggressive (7% p.a.)ETFs, equities
€712.63
Moderate (5% p.a.)Mixed funds
€969.39
Conservative (3% p.a.)Bonds, fixed deposits
€1,294.33

What you can do

How this was calculated

What is the pension gap?

The pension gap is the difference between your desired standard of living in retirement and your expected pension. You should close this gap through private provision.

  • 4% rule for sustainable capital withdrawal (Trinity Study)
  • Inflation adjustment until retirement
  • Savings plan formula with monthly contributions
  • Return before taxes and costs

Pension Gap Calculator by Rechnerzentrale(opens in a new tab)