Retirement Gap Calculator
Estimate your monthly retirement gap and the capital you need to close it, so you can start saving early. Runs entirely in your browser, GDPR-compliant.
Your inputs are processed in your browser and are not transmitted to our servers. Note: third-party resources (e.g. advertising and analytics from Google/Cloudflare) and an optional PayPal donation link may transfer data when loading or when clicked. Browser extensions or plugins may be able to read content that is visible in the input fields.
The result will appear here …
Legal notice
Current as of: 11.08.2026.
The results reflect the legal and fiscal state as of the date stated above. They are provided for general information and initial guidance only. They are not individual financial, tax or legal advice, and no guarantee is given as to their accuracy, completeness or suitability for your circumstances. In particular, the results are not a substitute for an official or judicial assessment. Please check the information independently and seek qualified advice where appropriate, as you are solely responsible for any decision made in reliance on the result.
How to use this tool (video)
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Calculate your retirement gap
This calculator estimates your retirement gap: the difference between your desired monthly net income and expected income from the statutory pension and other sources. From the gap it derives the required capital and an approximate monthly savings rate.
- Monthly gap: target minus expected pension minus other income.
- Capital need: gap × 12 × payout period (guide value).
- Savings rate: the monthly amount needed at the assumed return to accumulate that capital.
- Inflation: since 2026 you can enter an inflation rate. The tool then converts your target and capital need into euros at retirement to preserve today's purchasing power.
Worked example
Target 1,800 EUR, statutory pension 1,200 EUR, no other income. The gap is 600 EUR a month. Over 20 years that is a capital need of about 144,000 EUR. At 4% return and 20 years to retirement, you would need about 390 EUR a month. At 2% inflation, today's 1,800 EUR target equals about 2,675 EUR in 20 years, and the capital need rises to about 214,000 EUR in retirement-year euros.
The result is a guide value, not a guarantee. Inflation, interest rates, taxes and lifespan significantly affect the real need. This tool does not replace professional financial advice.
Frequently asked questions
Why does inflation matter for saving?
Because prices rise over decades. At 2% inflation, today's 1,800 EUR target has the purchasing power of about 2,675 EUR in 20 years. Ignoring it makes you underestimate the capital you need. The inflation input shows this directly.
How can I close the gap?
Through private provision such as ETF savings, occupational or personal pension products, depending on your situation.
Are my inputs stored?
No. All calculations run locally in your browser; nothing is transmitted or stored.