In short
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.
Last checked: 11 October 2026 · 4 min read · RenteKannMehr editorial team
Now in more detail
The retirement savings calculator shows how a regular savings contribution could develop, in arithmetical terms, over many years. It is a tool for understanding – not a prediction and not advice.
The inputs
- Age and start of retirement determine the term.
- Monthly savings contribution and, optionally, existing capital.
- Return per year before costs – an assumption you are free to choose.
- Ongoing costs per year as a share of the assets.
- Optional: yearly increase of the contribution and inflation.
The results
- Your own payments: what you put in yourself.
- Growth in value: what the assumed return after costs contributes in arithmetical terms.
- Effect of costs: how much less it is than in the same calculation without costs.
- Purchasing power: the final capital at today's prices, if you enter an inflation rate.
- Development and scenarios: a chart over the years and a comparison of three return assumptions.
Worked example
What a difference ten years earlier makes
€100 a month until 67, at a 5% return and 1% costs per year:
Start at 27 → €115,092 · Start at 37 → €68,162 · Start at 47 → €36,305.
Model calculation with a constant return, without allowances and taxes.
The subsidy section
The calculator shows which allowance would result for your contribution under the rules that apply from 2027. For this it only asks for the number of children for whom child benefit (Kindergeld) is paid. You decide yourself whether the allowances are included in the model calculation. The tax advantage is not calculated, because income data would be needed for that.
What happens to your inputs
The calculation runs entirely in your browser. Your inputs are not transmitted to us and are not stored. You do not need to give any contact details to see the result.
What the calculator cannot do
- It does not know the future: the return is your assumption.
- It shows no fluctuations, but a steady development.
- It does not calculate taxes or a personal pension gap. The monthly payout is only a rough estimate.
- It does not check whether you are eligible for the subsidy.
More questions?
If you have more questions, talk to a personal adviser near you. They can look at your situation in detail. Asking is free and without obligation.