Pension Gap Calculator

Work out locally your monthly pension gap and a rough capital need from desired income, statutory pension and other income - no upload.

€900.00

Monthly pension gap

€10,800.00

Annual gap

€270,000.00

Estimated capital needed

Is my file uploaded?

No. Everything runs in your browser - your file never leaves your device. How this is verifiable

No upload100% local

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The pension gap is the difference between the income you want in retirement and the income you can already count on - the statutory pension plus other retirement income (company pension, private pension, rental income). That shortfall is exactly what you have to close from your own savings. This calculator shows the monthly gap, the annual gap and a rough capital need for the expected retirement years.

The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. The monthly gap is the desired income minus the statutory pension minus other income; the annual gap is twelve times that; the rough capital need is the annual gap times the expected retirement years. If your expected income already covers the wish the gap is zero - the calculator shows no negative gap. Change an input and everything updates instantly.

An honest note: the capital need is deliberately simple - the gap times the retirement years, without any return on the capital and without inflation during retirement. In reality the remaining capital keeps earning (which lowers the need) while inflation widens the gap over the years (which raises it). For a more precise drawdown plan with interest use the withdrawal-plan calculator. Amounts in euros as an example - the maths applies to any currency. Not pension or investment advice.

Specifications

Specifications
Input formats	Form inputs (no file)
Processing	Locally in your browser (JavaScript)
File upload	None

In 3 steps

Enter the desired monthly net income in retirement.
Enter the expected statutory pension and other retirement income per month.
Enter the expected retirement years and read off the gap and capital need.

Limitations: A first orientation. The capital need is simply the gap times the retirement years - without any return on the capital and without inflation in retirement. For a drawdown plan with a return use the withdrawal-plan calculator. If income covers the wish the gap is zero (no negative gap). Amounts in euros as an example - the maths applies to any currency. Not pension or investment advice.

FAQ

Are my inputs uploaded?

No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.

What is the pension gap?

The difference between your desired retirement income and what you can already expect (statutory pension plus other income). That is the amount you have to save up yourself. Worked example: a target of 2,500 euros net, an expected pension of 1,600 euros plus 200 euros of other income leave a gap of 700 euros a month - 8,400 euros a year and 210,000 euros over 25 years of retirement (deliberately without interest and inflation).

Why without inflation and interest?

Deliberately, as a simple first orientation. Interest lowers the need, inflation raises it - both depend heavily on assumptions. For a more precise plan with a return use the withdrawal-plan calculator.

How do I know my expected statutory pension?

From the annual pension statement of your pension provider. Enter the projected monthly amount stated there, ideally the net figure.

Result

Specifications

In 3 steps

FAQ

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