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Hi, I'm Jan! 

I’m here to help you see when and how you can best retire. 

Uh oh, we unfortunately can't provide pension plans to people who are not living in Germany.

What is your employment status? 

Your employment status impacts our calculation of your German public pension.

Since what year have you been employed in Germany? 

Please count all employment, not just your current job.

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Please enter a valid year

Since what year you been registered as self-employed in Germany?

This helps us estimate your German public pension.

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Please enter a valid year

Since what year have you been registered as a freelancer in Germany?

This helps us estimate your German public pension.

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Please enter a valid year

Since what year have you been registered in Germany?

This helps us estimate your German public pension.

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Please enter a valid year

Are you a homeowner? 

Owning a property decreases the additional income you need in retirement because you won’t have to pay rent.

What is your German residency status?

Your residency status impacts your retirement options.

Do you have any investment or pension products?

Your existing investments increase your potential income in retirement.

Do you invest in ETFs, stocks or similar investment products?

Do you have any existing pension plans?

Choose the one that you pay into most if you have more than one.

Do you have any existing pension plans?

Choose the one that you pay into most if you have more than one.

How old are you?

This helps us estimate your future public pension.

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Please specify your age

How many children do you have?

What is your gross annual income?

Your gross annual income is your total income before taxes and helps us understand your future income needs.

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Please enter your gross annual income

How much do you save monthly from your income?

Your savings help determine how much you could afford to invest each month.

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Please enter your monthly savings amount

What are your total savings? 

If you're not sure, just estimate and adjust it later. Your total savings include cash in bank accounts, bonds and ETFs.

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Please enter your total savings

If you could retire earlier by investing, what would you care about most? 

Your goal helps us calculate and suggest options for you to retire earlier.

Would you like to invest in sustainable funds?

Please be aware that the ESG criteria for sustainable investments vary. We offer outperforming ESG-friendly portfolios, but their track record is shorter since they have not been around for as long.

How much of your investment would you want in sustainable funds?

Do you want to hold your portfolio in the most cost-effective currency? 

Many European investors make the mistake of being biased toward what they're familiar with. Even if you contribute to your investment in Euros, holding your assets in USD is likely to return 10-30% more every 10 years.

How much of your portfolio would you like in Euros?

Imagine you invested 1000 €, what is the maximum loss you'd be ok with?

This helps us understand how you approach risk and determine your optimal pension options.

How much could you invest monthly?

The more you can contribute, the earlier you can retire.

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Your desired monthly contribution must be at least €100.

How much could you invest one-time?

The more you can contribute, the earlier you can retire.

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Please enter your desired initial investment

Your retirement plan is being prepared

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Estimating your public pension
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Predicting your pension at retirement
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Creating your Pensionfriend plan
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Fantastic! 

Your retirement plan is ready! 

We’ve created your personal pension plan to show you when and how you can best retire.

What is your first and last name?

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First name
Please enter your first name
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Last name
Please enter your last name
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Pensionfriend ID
Please specify an answer

Where should we send your retirement plan? 

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Email address
Please enter a valid email address

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