Pension Analyzer
What is your German pension worth today? A free calculator that turns earnings points into a present value, a pension gap and a range of scenarios. No account, no sign-up.
What it does
Present value (Barwert)
Values your statutory pension (GRV) or civil-service pension (Beamtenversorgung) with survival probabilities, inflation and discounting — nominal and in today’s purchasing power.
Pension gap
Compares your projected pension with your current net income, optionally after health insurance and income tax, and sketches a savings plan to close the gap.
Sensitivity & Monte Carlo
Shows which levers move the result most (retirement age, future earnings points, discount rate) and how wide the range of outcomes is under uncertainty.
Import your Renteninformation
Read the numbers from your annual statement instead of typing them. Available in English, German, Turkish and Russian.
Please note
The Pension Analyzer produces non-binding model calculations based on published DRV parameters and historical data. It is not financial, investment, tax or legal advice, and no liability is assumed for its results. Pension law changes; use the output for planning and comparison, not for binding decisions.
The service is free of charge and private. It sets no tracking cookies and does not use analytics. Inputs are not linked to an account; see the privacy notice for details.