Close your pension gap
Estimate your pension gap, test a stock-based pension approach, and see how savings, returns, and retirement timing impact your future income.
Understand your pension gap and explore solutions with transparent assumptions.
How it works
Three steps to understand your retirement outlook and test a stock-based pension approach.
1. Enter your basics
Age, salary, savings rate, and retirement age are enough to get started.
2. Simulate scenarios
Compare deterministic projections with Monte Carlo simulations to see ranges of outcomes.
3. Make it actionable
Adjust savings and allocation to reduce your pension gap and improve retirement income resilience.
Why the pension gap matters
Your pension gap is the difference between the income you need in retirement and the income you expect to receive. Closing it early is easier than trying to catch up late.
We cover the latest political developments, including the Altersvorsorgedepot in Germany, to help you stay informed about new retirement savings options.
Income vs. expenses
Retirement income often falls short while costs remain. The tool helps you how to close the gap.
Time is the key lever
Saving earlier gives compounding more time to work. Small changes in savings rate or retirement age can materially shift outcomes.
Stock-based pension
Explore how a long-term stock allocation can contribute to retirement income and help close your pension gap.
Return and volatility
The simulator helps you see both upside and downside. It highlights ranges of outcomes, not a single promised number.
Monte Carlo scenarios
Instead of one forecast path, you get many simulated paths so you can reason about probabilities and risk.
Adjust assumptions
Change savings, allocation, and retirement age to find a plan that is realistic for your situation.
FAQ
Short answers to common questions about pension gap planning and stock-based pension scenarios.
Is this investment advice?
No. The Pension Simulation provides calculations and simulations for informational purposes only. You make all decisions and carry all risks.
What inputs do I need?
You can start with age, retirement age, salary, and savings. Advanced settings are optional.
Why show ranges instead of one result?
Markets are uncertain. Ranges and scenarios help you understand risk and avoid false precision.
Can I model a stock-based pension contribution?
Yes. You can test monthly contributions and allocations to see how they may reduce your pension gap over time.
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QUINETICS is free to use. We partly fund the platform through partner links. If you click an advertisement, we may receive compensation. Your use of QUINETICS remains independent of that.
