Looking for a fast way to estimate your bAV (betriebliche Altersvorsorge, or occupational pension)? Use the calculator below to model your monthly contribution, employer subsidy, and projected retirement capital. It is designed for quick planning and clear decisions.
bAV Rechner (Quick Estimate)
This is a simplified estimate, not financial or tax advice. Actual outcomes depend on plan type, fees, taxes in retirement, inflation, and regulation changes.
What is a bAV and why use a calculator?
A bAV is a company pension arrangement in Germany where part of your retirement savings is organized via your employer. In many cases, your contribution is made from gross salary (Entgeltumwandlung), which can reduce your current tax burden and social security payments.
A calculator helps you answer practical questions quickly:
- How much will I and my employer contribute every month?
- What is my likely net cash impact today?
- How much capital could I build by retirement?
- What monthly payout might that support later?
How this bAV Rechner works
1) Monthly contribution calculation
The tool multiplies your gross salary by your employee and employer percentages. This gives monthly savings that flow into your pension contract.
2) Net monthly burden estimate
Because bAV contributions often come from gross income, your take-home pay usually decreases by less than the full employee contribution. The tax/social relief field gives a quick approximation of this effect.
3) Long-term compounding
The calculator applies monthly compounding over your chosen number of years based on expected return. Even modest returns can have a significant impact over long periods.
Interpreting your results realistically
Calculator output is best used for planning ranges, not exact forecasts. A strong approach is to run three scenarios:
- Conservative: lower return and shorter contribution period.
- Base case: realistic contribution discipline and moderate return.
- Optimistic: higher return plus stable employer contribution.
If your employer provides a matching contribution, that is often the highest-value part of the setup. In many cases, maximizing the match can materially improve your retirement outcome.
Common mistakes to avoid
- Ignoring fees and assuming gross returns are fully yours.
- Using only one return assumption for 20–35 year horizons.
- Forgetting that taxation often shifts from today to retirement phase.
- Skipping annual review when salary or employer policy changes.
Simple action plan
- Calculate your current bAV setup with realistic assumptions.
- Check whether your employer gives a mandatory or voluntary subsidy.
- Compare scenarios with and without increasing your contribution by 1–2%.
- Review yearly and adjust with salary growth.
A good bAV strategy is not about predicting markets perfectly. It is about consistent saving, smart employer participation, and long-term discipline.