Retirement planning starts with one number: how much will you actually have by the age you want to stop working, given what you're saving today? This calculator projects your private retirement savings balance in euros based on your current age, target retirement age, current savings, monthly contributions, and expected annual return.
How this projection works
Your current savings and every future monthly contribution grow together at your expected annual return, compounding monthly, until your target retirement age.
Private savings vs. Germany's statutory pension
This calculator projects your own private retirement savings — the balance you'd build from your current savings and monthly contributions growing at your expected return. It does not include Germany's statutory pension (gesetzliche Rentenversicherung) or any other government retirement benefit, which is calculated separately by the German pension system based on your lifetime contribution record. Treat this projection as one part of your retirement picture, not the whole of it.
Examples
Starting at 30
With €25,000 saved today, €800 contributed monthly, and a 7% expected annual return, retiring at 65 (35 years away) projects to about €1,728,000.
Starting later, at 40
The same €25,000 starting point and €800 monthly contribution at 7%, but with only 25 years to retirement at 65 instead of 35, projects to about €791,000 — a reminder of how much time itself affects compound growth. Enter your own numbers above for your exact projection.