Rentenlücke (pension gap)
The difference between your pension and the money you need.
All topics
Pensions in Germany – without secrets.
How much will you really get – and what can you do? Check in 1 minute.
We reply personally on WhatsApp
Your future starts with today's plan
Understand your pension, learn about the options through your employer and plan your child's future.
Company pension
Betriebsrente / bAV (company pension)
A top-up to the state pension, built up through your employer. Contributions can be paid by your employer, by you from part of your gross salary, or by both.
For your child's big steps
Saving for children
For education, a first car or an independent life for your child – start today with a savings or investment plan that fits your goal, budget and timeframe.
Investments carry risks: the value can rise and fall, and past results do not guarantee future ones. We do not promise returns.
What to watch out for
- Renteninformation – once a year you get a letter with your pension forecast. Keep it.
- Old contracts – don't cancel in a hurry, that often means a loss.
- Work back home – those years can often be counted. Check with the Deutsche Rentenversicherung (German pension insurance).
How it works
- 1Quick checkA few clicks, about 1 minute.
- 2WhatsApp messageYour answers arrive as a ready-made message.
- 3Personal conversationWe get back to you personally and explain everything clearly.
Frequently asked questions
How much can I start with?
Many savings plans start at 25–50 € a month. What matters more is that you start.
Is an ETF safe?
No investment is without risk – the value can also fall. We show you the options and risks, you decide.
What about pension years from the Balkans?
Germany has agreements with several countries of the former Yugoslavia. The Deutsche Rentenversicherung clarifies the details.