aktienrenterechner.de
Aktienrente Rechner
Stock-Based Pension Calculator
Aktienrente Rechner is a free online tool for planning private retirement savings in Germany. At aktienrenterechner.de, the tool simulates ETF and stock savings plans, showing how regular contributions invested in the capital markets over many years can grow into additional wealth for retirement. The background is the political debate around a capital-funded supplement to the statutory pension, often referred to as an equity pension (Aktienrente) or generational capital fund, under which part of retirement provision would in future be invested in the stock market to help stabilize the statutory pension system in the long run.
For many citizens it is hard to judge what such a savings plan could actually achieve over several decades. This is exactly where Aktienrente Rechner helps: users enter their age, planned monthly savings rate, intended investment horizon and an assumed average return, and receive a realistic model calculation of the achievable final capital and the potential monthly supplementary pension it could provide. This makes it easy to see what a difference small changes in savings rate, time horizon or return can make over twenty or thirty years, largely thanks to the compound interest effect of a broadly diversified ETF savings plan.
The calculator does not replace individual financial or investment advice, but it makes the often abstract debate around the equity pension and private retirement provision tangible for the individual. Aktienrenterechner.de is aimed at anyone interested in their own retirement planning, particularly younger and middle-aged employees who want to build additional wealth for retirement early on, alongside their statutory pension. Beyond the calculator itself, the site offers accessible background information on ETF savings plans, the current state of the political debate around the equity pension, and the opportunities and risks of a stronger capital-market orientation in retirement provision.
Starting 2027, Germany's new equity pension scheme introduces a state-funded savings program, but most people don't know if or how much support they qualify for. AktienRenteRechner turns the new rules into a concrete eligibility check and broker comparison, helping savers make the right decision before the deadline.