Pension Truth Calculator
Real purchasing power of your pension in 2050
📚 Learn more — how it works, FAQ & guide Click to expand
Learn more — how it works, FAQ & guide
Click to expand
Pension Truth Calculator
Strip 3 lies from pension projections: nominal value (ignores inflation), gross value (ignores tax + health), and "expected lifespan" (ignores risk of long life). See your real retirement income.
How to use this tool
- 1
Enter projected pension
What the official statement says.
- 2
Set inflation + years
How long until retirement.
- 3
See real value
Today's purchasing power equivalent.
Frequently Asked Questions
Why does inflation matter so much?
€2000/month in 2055 sounds nice, but at 3% inflation over 30 years that's only €830 in today's purchasing power. Pension projections are nominal — your bills are real.
Tax on pension?
In Germany, gradually 100% taxable by 2040. Most projections show gross. Subtract 20-30% for tax + health insurance for most retirees.
Longevity adjustment?
Retiring at 67 with life expectancy 84 = 17 years. If you live to 90, your pension pool needs to last 23 years — risk of outliving savings is real.
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100% Privacy. This tool runs entirely in your browser. Your data is never uploaded to any server.