Secure Your

Financial Future

The German pension is based on the pension formula: Pension Points × Access Factor × Pension Type Factor × Pension Value. Simplified: Your contributions are converted into pension points, which are then multiplied by the current pension value. Our calculator uses a simplified approach based on monthly gross salary and years worked.

This is due to demographic changes and the declining pension level. Currently, the pension level is only about 48% of average income. Additionally, taxes and health insurance contributions must be deducted from the gross pension.

There are several options: Private pension insurance, Riester pension, Rürup pension, company pension schemes, or ETF savings plans. As a certified advisor, I help you find the right solution for your situation.

The earlier, the better! Through compound interest, you can build significantly more capital with an early start. Even small amounts from age 20 can make a big difference in retirement.

As a rule of thumb, 10-15% of gross income should go towards retirement planning. However, this depends on your age, goals, and current pension gap. In a personal consultation, we can determine your individual needs.

Yes, the initial consultation is completely free and non-binding. We analyze your current situation and show you possible solutions. Costs only arise if you decide on a specific solution.

During unemployment, the Federal Employment Agency continues to pay pension contributions for you, but based on unemployment benefits. This leads to lower pension points. Extended unemployment can therefore reduce your future pension.

Yes, but with deductions. For each month before regular retirement age, 0.3% is deducted from the pension. Retiring two years early means 7.2% less pension - for life.