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This determines which pension options are available to you.
Retirement Goal
How old are you, and when do you want to retire?
This determines how long your savings have to grow.
Important note for your age group
A standard pension insurance may not be the most effective option at this stage. There are still excellent tax optimised strategies available, book a free consultation at the end to explore what suits you best.
32years
Your current age
1875
67years
→ 35 years until retirement
5580
Your Income
What is your gross monthly income?
This determines your tax advantage and optimal savings rate.
€ 4,000
Gross monthly income
€1,000€20,000+
Self employed: please enter your average monthly net income.
Pension Target
How much monthly pension income do you want in retirement?
Most people aim for 75 to 100% of their current net income in retirement.
€ 2,592
Monthly net income target in retirement
€500€10,000
Existing Coverage
Do you have existing statutory pension coverage?
This lets us calculate the gap we need to close.
€ 0
Expected statutory pension (monthly)
€0€3,000
Not sure? Start at €0. Employees can find their estimate in their annual Renteninformation letter.
Your Priorities
What matters most to you about your pension?
Adjust the sliders, these weights shape our recommendation.
Tax advantagesHigh
LowMediumHigh
Access, flexibility & international portabilityMedium
LowMediumHigh
Security / capital guaranteeMedium
LowMediumHigh
Government subsidiesMedium
LowMediumHigh
Your Analysis
Here's what your numbers reveal
Based on your inputs, we've identified the key financial gaps and missed opportunities in your current situation.
Monthly Pension Shortfall
n/a
n/a
Covered by statutory pensionMonthly gap
n/an/a
Lost Compounding Growth
€180,000
Every month without an optimised pension vehicle is a month of lost compounding.
Unclaimed Tax Relief
€3,200 / year
Based on your income, you could be saving thousands in taxes every year through the right pension structure, money that simply goes unclaimed without the right vehicle in place.
Book a consultation to find out
Financial Security & Legacy
n/a
Your tailored solution is ready
Book a free 1 to 1 consultation to unlock your personalised pension strategy, which product fits you, how much to contribute, and exactly how to close your gap.
Free of Charge
Book your 1 to 1 consultation
Our advisors will walk you through your personalised solution, no cost, no obligation. We'll be in touch within 24 hours.
Your situation summary
n/a
Your answers are already filled into the form below, so we're fully prepared for your call. Just add your contact details.
Build additional retirement income alongside your existing pensions.
Tax Efficient Structuring
Consider available tax advantages when building your strategy.
International Planning
Plan with the possibility of moving countries in mind.
Frequently Asked Questions
How much will I receive from the German state pension?
Your German state pension depends primarily on your earnings and how long you contribute. Contributions generate pension points, which are then used to calculate your pension. Your annual pension information from Deutsche Rentenversicherung provides an estimate based on your record. For internationals who begin contributing later in their career, it is particularly important to understand whether a retirement gap remains.
How much should I save for retirement in Germany?
There is no single percentage that works for everyone. How much you need depends on your age, desired retirement income, existing pensions and investments, expected retirement age and how long you have left to build your retirement assets. A pension gap calculation is a useful starting point.
What happens to my pension if I leave Germany?
Leaving Germany does not normally mean losing the German pension rights you have already earned. German pensions can generally be paid abroad, although the rules can depend on your destination, nationality and contribution history. In some circumstances, people leaving Germany may also qualify for a refund of certain contributions, but doing so can eliminate the associated German pension rights.
Can private pension contributions reduce my taxable income?
Certain types of retirement provision can provide German tax advantages, while others do not offer the same treatment. The benefit depends on the type of pension, your contributions and your personal tax circumstances. Tax efficiency can therefore be an important consideration when comparing retirement strategies.
When should I start retirement planning?
Generally, the earlier you start, the more time you have to build retirement assets and benefit from long term investment growth. But retirement planning is useful at almost any stage. The first step is understanding what you already have and the gap between that and the retirement you want.
What happens if I have worked in several countries?
You may build pension entitlements in several different countries during your career. Within the EU and under certain international social security agreements, insurance periods can sometimes be combined when determining eligibility, while each country generally pays its own pension for the periods covered there.
Do I need private retirement planning if I already pay into the German state pension?
That depends on the retirement income you want and what your existing arrangements are expected to provide. The state pension can form an important part of your retirement income, but it may not cover your individual target. The important question is therefore not simply whether you have a state pension, but whether your total expected retirement income is enough for the retirement you want.
This website provides general information only and does not constitute personal financial advice or a recommendation. Any suitable course of action depends on your individual circumstances. Investments carry risk and can fall as well as rise, and you may get back less than you invest. Tax treatment depends on individual circumstances and may change. Cross border situations can add additional complexity.
Chris Everitt (Senior Partner) and Jasper Bossmann Everitt (Partner) are IHK-qualified financial consultants (IHK Berlin), registered as insurance intermediaries under §34d GewO and as financial investment intermediaries under §34f GewO.
