Calculator
How much could add up for you?
Answer three questions. You see straight away how much you save, what the state adds and what it could become.
More settingsFor everyone who wants more detail.
For example, once you earn more after your training.
At this age you stop saving. From then on, the money is paid out to you. The law usually allows this from age 65.
Money you have already saved for old age and invest from the start.
How much your money grows on average per year, before costs. Pick what suits you: if you have plenty of time and stay calm when things go up and down, you can expect a bit more. If you prefer it steady, a bit less. We calculate with 6%.
This is what the provider takes from your money every year. 1% means: €10 a year for every €1,000.
You pay in a little more every year – for example because your salary goes up.
Most things get more expensive over time. We use this value to work out what your money will be worth later. The European Central Bank (ECB) aims for inflation of 2% a year – that is why we calculate with 2%.
2 % is the official target of the European Central Bank.
Not included: taxes and one-off costs when signing up. The payout in old age is only a rough estimate. How exactly we calculate
Free and without sign-up. Your entries stay on your device.
What the calculator does
- It adds up what you pay in month by month.
- It works out what the state adds according to the law.
- It shows what this could become if the money grows.
Good to know
- The return is an assumption – nobody knows the future exactly. That is why the calculator shows examples that help you plan well.
- It leaves out taxes so that everything stays clear.
- Whether you get the top-up is checked by the allowance office in the end. Most people who work are eligible.
- Which offer suits you is something you decide calmly yourself – or you get advice.
- Your entries stay on your device – we do not see them and store nothing.
More about the calculator
How does our retirement savings calculator work?
You enter how much you save each month and for how long. The calculator shows you how much that could turn into – but it cannot see into the future.
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Our calculator combines two things: fixed rules from the law – for example how much the state adds – and assumptions such as the return, which nobody knows for certain. Here we show you everything so that you can check how it reaches its result.
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Money in shares moves up and down from time to time – that is simply part of it. If you spread it over many companies and give it time, the journey becomes much calmer. Time and spreading are your best helpers.
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