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How big is your pension gap?

You don't even need your pension statement (Renteninformation): your monthly gross pay is enough. From that, the calculator estimates your future net pension using the official figures of the Deutsche Rentenversicherung – and shows you honestly how much is missing each month against your standard of living.

Your numbers

Your monthly gross pay today

Estimated statutory pension – € from the official 2026 figures · net pension at 67

Know your figure from your pension statement? Enter it here.

Expected statutory pension per month (€) You'll find this figure in your annual pension statement (Renteninformation). Self-employed and not in the statutory scheme? Then enter 0. Clear the field = back to the estimate.

Your age today

Retirement at age

Your net income per month (€)

Existing private provision per month (€) What your existing contracts are expected to pay out per month in retirement. Not sure? Leave it at 0.

How much of your current net income you'll need in retirement: 80 % Rule of thumb: around 80 percent. Rent, health, and leisure stay; only commuting costs and pension contributions go away.

How the estimate is produced

Monthly gross pay → earnings points per year → estimated net pension. Your row is highlighted.

Gross monthly	Earnings points/year	Pension at 67	with a −30 % buffer

Your needs are covered to–

Pension + provision – Gap –

Your monthly pension gap

0 €

in today's purchasing power

At retirement in 32 years (at 2 % inflation) 0 €

Capital needed for 25 years of retirement 0 €

With a safety buffer (pension −30 %) the gap would be 0 €

The gap is just a number. The plan is personal.

In a free initial consultation, we'll run the numbers on your real situation and see which path fits you. In person in Lüdenscheid or via video.

Source & methodology official data ▸

All input values of the pension estimate are official, publicly published figures – none of it is made up.

Data source

Deutsche Rentenversicherung Bund – pension calculation based on the earnings-points system (just like in your pension statement)
Official social security parameters 2026 of the German federal government

Parameters used (2026)

Average earnings 4.329 €/month = 1,0000 earnings point per year
Contribution assessment ceiling 8.450 €/month (more gross pay brings no further earnings points)
Current pension value 42,52 € monthly pension per earnings point (as of 1.7.2026)
Deduction for retirees' health and long-term care insurance: 12,15 % (already deducted in the estimate)

Model assumptions (that's the estimate)

Career start at age 20 and continuous contributions at a constant wage level until the chosen retirement age
The legally enacted reduction of the pension level is factored in (2001 pension reform, RV Sustainability Act, RV Retirement Age Adjustment Act)
The result is an estimate – not a forecast and not a binding assurance of your future pension. Your real figure is in your pension statement and can be entered above.

Simplified model calculation, not advice and not a forecast. Assumptions of the pension estimate: career start at 20, continuous contributions, net pension after deducting 12,15 % health/long-term care insurance, the legally enacted reduction of the pension level factored in. Further assumptions: retirement need as a share of today's net income, 2 % inflation per year until retirement, 25 years of retirement with no interest on the capital. Taxes on the pension and individual employment histories (education, part-time work, child-rearing, gaps) are not included. Your actual situation may differ significantly. That is exactly what the personal consultation is for.

How the calculator works

Transparent instead of a black box.

Your pension

Your gross pay translates into earnings points – exactly how the Deutsche Rentenversicherung calculates it. From that, we estimate your future net pension. You can enter your real figure from your pension statement at any time.

Your needs

From your current net income and the retirement-need ratio, we work out how much money you need each month in retirement.

Your gap

Need minus estimated pension minus private provision – what's left over is the gap. Including a look at inflation and a safety buffer.

Your plan

How you close the gap depends on your situation. We clarify that together in a free initial consultation.

Want to understand the math behind it? In the article Calculating the pension gap: formula and example I work through a complete model case step by step.