Retirement Plannerv1.28

Portfolio growth, withdrawals, pension income, pension increases, additional cash bridge, and contribution stop planning.

User Guide

Inputs

Adjust your retirement assumptions and run a projection.

Input Presets

Presets replace non-market inputs. Return and inflation stay controlled by Market Assumptions; results update automatically after editing pauses.

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Input Sections

Expand or collapse all input sections.

Personal

Age, retirement age, and planning horizon.

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Current Age

Retirement Age

Sync Contribution Stop Age

Life Expectancy

Portfolio and Assets

Current portfolio, cash bridge, and real estate assets.

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Current Portfolio Balance

100.000 €

Info only. Calculated automatically from Asset Classes that are not Cash.

Additional Cash Assets

0 €

Info only. Calculated automatically from Asset Classes with type Cash.

Minimum Cash Reserve, today's €

Cash above this inflation-adjusted reserve is used before the portfolio. The protected reserve is used only as an emergency fallback after the portfolio is exhausted.

Asset ClassesShow All Charts

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Global ETF

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100.000 €

Asset NameAsset Type

German Tax Classification

Learn how to choose the correct tax classification

Equity Fund / ETF — 30% partial exemption

Choose this for funds that primarily invest in stocks. Typical examples include MSCI World, FTSE All-World, S&P 500, Nasdaq-100, DAX, and Euro Stoxx 50 ETFs.

Mixed Asset Fund / ETF — 15% partial exemption

Choose this for funds that combine stocks and bonds, such as balanced, multi-asset, portfolio, or stock-and-bond funds.

Other Fund / ETF — 0% partial exemption

Choose this for funds without an applicable partial exemption, including many bond, money market, and commodity ETFs.

Tax Exempt

Choose this only when gains from the asset should not be included in the modeled German investment tax.

These classifications are general guidance. Confirm the applicable classification in the fund documents or with a tax professional. The partial exemption applies to realized gains when the asset is sold.

Current Balance

Contribution per monthStart AgeStop Age

Expected Return before Fees (% / year)Annual Investment Fees (% / year, optional)Volatility (% / year)Dividend Yield (% / year)

Single Stock

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0 €

Asset NameAsset Type

German Tax Classification

Learn how to choose the correct tax classification

Equity Fund / ETF — 30% partial exemption

Choose this for funds that primarily invest in stocks. Typical examples include MSCI World, FTSE All-World, S&P 500, Nasdaq-100, DAX, and Euro Stoxx 50 ETFs.

Mixed Asset Fund / ETF — 15% partial exemption

Choose this for funds that combine stocks and bonds, such as balanced, multi-asset, portfolio, or stock-and-bond funds.

Other Fund / ETF — 0% partial exemption

Choose this for funds without an applicable partial exemption, including many bond, money market, and commodity ETFs.

Individual Stock — 0% partial exemption

Choose this for shares held directly in an individual company rather than through a fund or ETF.

Tax Exempt

Choose this only when gains from the asset should not be included in the modeled German investment tax.

Current Balance

Contribution per monthStart AgeStop Age

Expected Return before Fees (% / year)Annual Investment Fees (% / year, optional)Volatility (% / year)Dividend Yield (% / year)

Cash

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0 €

Asset NameAsset TypeCurrent Balance

Contribution per monthStart AgeStop Age

Expected Return before Fees (% / year)Annual Investment Fees (% / year, optional)Volatility (% / year)Dividend Yield (% / year)

Derived from Asset Classes

Enter portfolio and cash values only in the Asset Classes rows.

The green info fields above are calculated automatically from these rows.

Contribution uses the selected contribution frequency. Start Age 0 means contributions begin immediately at the current age. Stop Age 0 means the global Contribution Stop Age is used. A specific Stop Age is exclusive: no contribution is made from that age onward.

Asset Classes are the only entry place for portfolio and cash values. Expected return, volatility, and dividend yield are yearly assumptions. ETF and Single Stock rows also provide a Purchase List for recording one historical acquisition per row.

Real Estate

This is a separate real-estate asset, independent of the property linked to the Mortgage section. Its value only moves into portfolio or cash after its own sale age is set.

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Real Estate Current Value

Current estimated property value. Shown separately from portfolio and cash assets until sold.

Real Estate Growth Projection (%)

Expected yearly real estate value growth until sale.

Real Estate Sale at Age

Optional. Empty or 0 means no sale. This sale age applies only to the separate Real Estate asset and is independent of the mortgaged property.

Rent / Additional Spending, today's € / month

Show in charts

Monthly rent or additional spending in today's money. Empty means 0. Added from the real estate sale age onward and inflated each year.

Use cash above reserve before portfolioDefault on. Each month, cash above the inflation-adjusted reserve is used first. The portfolio covers the remaining need. The protected reserve is used only if the portfolio is exhausted.

Contribution Settings

Ongoing investments before retirement.

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Contribution Stop Age

Age when new contributions stop. Portfolio still grows afterwards.

Market Assumptions

Expected return, inflation, and scenario presets.

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Presets only change expected return and inflation.

Expected Annual Return (%)

Inflation Rate (%)

Spending

Retirement spending target and withdrawal rate.

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Monthly Spending Need before Statutory Pension

Monthly spending in today's money from retirement age until the statutory pension start age. The projection applies inflation each year.

Monthly Spending Need in Retirement, today's €

Monthly spending in today's money. The projection converts it to yearly spending and applies inflation each year.

FIRE Target Rate (% / year)

Used only to calculate the Portfolio FIRE Target. Lower rate means a higher required portfolio. It does not change spending or actual yearly withdrawals.

›One-Time Additional Expenses0 entries

Expenses can occur from Current Age through Life Expectancy. Pre-retirement expenses reduce available assets at the entered age.

One-time expenses are inflation-adjusted and added only once at the selected age.

›Monthly Additional Cash Contributions0 entries

One row represents one age and calendar year. Each selected monthly payment is recalculated from today's money using the row inflation rate and added to cash.

Pensions

Government and employer pension assumptions.

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Statutory Pension Annual Gross

Annual gross amount at pension start, not monthly.

Statutory Pension Start Age

Statutory Pension Annual Increase (%)

Expected yearly increase after pension starts.

Employer Pension Annual Gross

Annual gross amount at pension start, not monthly.

Employer Pension Start Age

Employer Pension Annual Increase (%)

Expected yearly increase after employer pension starts.

Mortgage

Outstanding balance, scheduled payment, mortgaged-property sale timing, fixed-term action, and retirement cash-flow impact.

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Include MortgageUses your scheduled monthly payment, an optional sale age for the mortgaged property, and either a remaining-balance payoff or one remortgage at the end of the current fixed term.

Outstanding Mortgage Balance

Current remaining principal balance.

Fixed Annual Interest Rate (%)

Current fixed nominal annual mortgage rate.

Monthly Payment

The scheduled monthly payment you have agreed with the lender.

Remaining Fixed Term (Years)

Time remaining until the current fixed-rate period ends.

Mortgaged Property Sale at Age

Optional. Sale timing for the property linked to this mortgage only. Empty or 0 means no sale. It is separate from the Real Estate sale age.

Enter your details to generate your retirement projection.