Free Consultation

Logo der InVertas

Pension cal­cu­la­tor Germany

Use our pension cal­cu­la­tor to find out how high the German Goverment pension will be for you.

Pension cal­cu­la­tor Germany

Use our pension cal­cu­la­tor to find out how high the German Goverment pension will be for you.


Why does a private pension make sense?

The goverment pension will not be suf­fi­ci­ent to maintain your standard of living in old age. This is because fewer and fewer con­tri­bu­tors have to finance more and more retirees. So do yourself a favour and take care of your pension yourself!


How much pension are you going to get?

With our pension cal­cu­la­tor you can find out what pension you will receive from the go­vern­ment pension. The cal­cu­la­tor is there to get an initial overview quickly and easily. Book yourself a free initial meeting with us, to find out how you can close your pension gap in the most efficent way.


Why should you start today?

Time and a good in­vest­ment are the most important factors for your re­ti­re­ment.  In our cal­cu­la­tor you can see how many euros you have to spend each month to close your pension gap. The earlier you start, the cheaper it gets.

Finanzplanung Expertin


Datenanalyse Experten

Starting in 1 year

Beratung Altersvorsorge

Starting in 3 years

Beratung Altersvorsorge

Starting in 5 years

If you wait 3 years, you have to pay  € per month more. Until re­ti­re­ment, that is an additional  !

Related blog articles

Dive deeper into the topic of re­ti­re­ment planning in Germany by reading our blog articles.

You can find more articles tailored for the needs of expats in Germany in our blog.

Fre­quent­ly asked questions

Here you will find the answers to questions that we are asked very frequently.

As an in­ter­na­tio­nal pro­fes­sio­nal working here in Germany it is important to un­der­stand the German pension system because it is different from most other countries and not very intuitive. We gladly explain that in our con­sul­ting, to get an idea in advance you can click on the Al­ters­vor­sor­ge page and use the re­ti­re­ment calculator.

The German pension system es­sen­ti­al­ly is a scam, as the money con­tri­bu­ted is not saved for the con­tri­bu­tor, but instead goes directly to current pen­sio­ners. With the declining working po­pu­la­ti­on in Germany, there are not enough people paying in to support current pen­sio­ners, leaving the pension payout to be very low.

Yes you can. In Germany there are huge tax ad­van­ta­ges and in­cen­ti­ves for long term investing. Depending on what fits your in­di­vi­du­al situation we choose a framework that makes the most sense for you. In­vest­ment plans that you can deduct from your tax espe­ci­al­ly are in­te­res­t­ing for high earners and free­lan­cers due to their high tax burden.

The Perfect Pension Plan is a way to get a stable pension combined with financial fle­xi­bi­li­ty when you retire. It enables you to use the German tax system to your advantage. Done correctly, you have hundreds of thousands of euros in savings just from tax refunds that you can access when you retire.

Read more details in out article about the perfect pension plan.

Re­ti­re­ment planning is essential for expats, since the longer you wait to start planning, the more difficult it will be to save for the future. Planning for re­ti­re­ment should not be put off, as the longer you wait, the more difficult it becomes.

We look at your in­di­vi­du­al situation and explain the available options to you. We also show you detailed numbers for the option you want to explore. Not only that, but we are there for you th­roug­hout the whole process, as you can tell from the out­stan­ding reviews and re­com­men­da­ti­ons from our clients.

Take care of your private pension today

We help you to clarify the complex facts and show you your in­vest­ment options. Get to know us in a free initial consultation!

Opinions of our

Our passion is to give you a pro­fes­sio­nal good feeling. Always honest and trans­pa­rent. Convince yourself with our numerous reviews!

Vanessa Kuenzel


Among other things, I asked for a pension plan there and I am really po­si­tively impressed by the con­sul­tant. He responded very well to my wishes and was and is really always available for me! For my questions he has always taken a lot of time and also very much patience and fri­end­li­ne­ss! The product re­com­men­ded by him I had compared with others and finally decided for this. On the one hand, because the product really convinced me in the end and on the other hand, because the con­sul­tant David R. really took the time and explained ever­y­thing to me again and again in a very un­der­stan­da­ble and good way. Great con­sul­tant who really does not leave you hanging!

Anke Schneider


Many thanks to Mr. David Reinhard for the detailed advice and patience in answering my questions – sym­pa­the­tic and competent!

Lukas Prechtl


Super good financial service from David Reinhard! The advice is based on your own needs and interests and not on the interests of the re­spec­ti­ve insurance companies / banks.

Pascal Stock


The advice given by Mr. Reinhard when changing the Riester pension was pro­fes­sio­nal­ly very good, fast and even via video telephony un­com­pli­ca­ted and possible at any time. Therefore, I can highly recommend this.

Faisal Anees


It was nice being supported with a pro­fes­sio­nal re­pre­sen­ta­ti­ve – ( David Reinhard ) who advised and gave us the best suited and trans­pa­rent advise. This not only gave us the con­fi­dence but also motivated us to start with our goal.



David Reinhard has the patience and knows the details. He gives the time that is needed for the advice and is really good in what he does. He came across as someone who does his best to win the trust and confidence.