Your pension has a bug – and it’s the same bug all over Europe
Pay-as-you-go pensions run on one equation, and ageing breaks it from Lisbon to Warsaw. Seven countries compared, Germany worked through.
Read// $ inflation --years 30
Inflation calculator
Prices creep up slowly. Then you look back and a coffee costs five euros. See what inflation does to your cash while it sits in the bank feeling safe.
Education, not advice. I don’t know your situation, and past returns promise nothing. Check my numbers, then make your own call. You’re a grown-up.
// how it is calculated
No black box.
- Purchasing power = amount × ((1 + interest) ÷ (1 + inflation)) to the power of years.
- “You will need” is the amount that buys in the future what the amount buys today.
# everything runs in your browser # nothing is stored or sent $ share --link ✓ your numbers travel in the link, not to a server
// the background
Read the why.
// more tools
While you’re at it.
$ pension --reality-check
Pension gap
What the state promises, what the budget can afford, and the hole in between.
Open
$ compound --monthly 300
Compound interest
What a boring monthly savings plan turns into. Before and after inflation.
Open
$ freedom --when
Freedom number
Your savings rate decides when you’re financially free. Not your boss, not a ministry.
Open
$ fees --compare
Fund fees
What 1.5% a year costs you over 30 years. Sit down first.
Open