Part of the topic: 💶 Taxes & salary
Pension gap calculator (Rentenlücke)
Enter your current net income, the share you want in retirement and your expected net pension. The calculator shows the gap in today's and future euros and how much to save.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter your current net income and how much of it you want in retirement (often 70–80 %).
- Enter your expected net pension in today's euros – from your Renteninformation minus health insurance and tax.
- Read the gap, the capital you need and the monthly savings required.
Last checked: October 2026 · Based on: Assumptions are shown and editable in the tool. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
How much do I need in retirement?
A common rule of thumb is 70–80 % of your last net income, because work-related costs fall away. Rent and health costs can push it higher.
Where do I find my expected pension?
In the annual Renteninformation from the Deutsche Rentenversicherung (from age 27). It shows gross amounts – health and care insurance and tax still have to be deducted.
How can I close the gap?
Through private saving (e.g. ETF savings plans), company pensions, the Riester or other subsidised products, or by working longer. Starting early matters most.