Austrian Pension Gap Calculator
Compare an ASVG pension estimate, future retirement need, and private savings scenario
Keep gross and net amounts separate
The pension-account credit produces an estimated annual gross pension distributed across 14 payments. To compare it with net income needs, the scenario uses a flat 85% as a simplified net pension. This is not a personal tax calculation.
Age, salary, and insured years
Enter years from your pension account. Future credits assume 2% annual wage growth up to the current contribution ceiling. Personal reductions, bonuses, and insurance gaps are not assessed.
Vary inflation and return
Desired net income is entered in today's purchasing power and increased until retirement using your inflation assumption. Return affects only the saving phase. Compare several cautious scenarios instead of relying on one point estimate.
Your pension account remains decisive
Survivor, occupational, and private pensions are omitted. Obtain your account balance and insured months from Austria's pension insurance authority or the official pension-account service.