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Planaberry is a retirement planning tool that helps you understand your financial situation. It calculates how much money you may need in retirement, how much you are on track to have, and whether there may be a gap.

The tool brings together all relevant parts of your retirement planning – such as statutory pension, investments, insurance, real estate, and other assets – in one clear overall view.

Planaberry is particularly helpful for people who are already saving for retirement but lack a structured overview of how everything fits together.

With this clarity, you can make more informed decisions and shape your retirement in a self-determined way.

Many tools are offered by insurers or product providers and aim to sell you financial products to fill your retirement gap. Planaberry is different. We are completely independent and focus solely on empowering you to plan your retirement on your own terms.

Our tool provides dynamic timelines that show how your financial situation evolves year by year, accounting for inflation, taxes, and payouts.

Unlike other tools, Planaberry doesn't just give you a single static number – it gives you clarity, flexibility, and control over your financial future.

Excel is great for simple calculations, but realistic retirement planning quickly becomes much more complex.

A complete model needs to account for how the statutory pension is calculated, how taxes apply to different assets, how inflation affects purchasing power, and how investment returns may vary over time.

Planaberry brings all of these elements together in one consistent tool. It also runs iterative calculations and simulations to show how different market environments could affect your plan. Instead of building and maintaining complex spreadsheets, you can simply enter your data and see how your retirement plan may develop over time.

Many of our users started with their own spreadsheets before switching to Planaberry after realizing how difficult it is to build and maintain a realistic model.

Not at all! Planaberry is designed for people with basic financial knowledge. We simplify complex topics with intuitive visualizations, so you can easily understand and plan your retirement.

Retirement planning always involves assumptions. Planaberry models the relevant factors as realistically as possible and allows you to adjust the most important assumptions yourself.

The calculations are based on official formulas and established methods, and the results have been compared with well-known calculators. Planaberry has been developed and refined over several years, with more than 5,000 hours invested in research, modeling, and user feedback.

No tool can predict exactly what you will receive in retirement. But Planaberry helps you understand a realistic range of possible outcomes so you can make more informed decisions today.

Of course, no system is perfect. If you ever notice something that seems incorrect or unclear, please let us know. Feedback from users helps us continuously improve Planaberry.

Because they have a major impact on what your money will actually be worth in the future.

Many retirement calculators ignore taxes or inflation and therefore show overly optimistic results. In reality, taxes reduce what you can withdraw, and inflation reduces the purchasing power of your money over time.

Planaberry includes both factors in its projections so you can see a more realistic picture of what your retirement income may look like in today's terms.

No. Planaberry does not give financial advice, nor does it recommend or sell financial products.

The tool is designed to help you understand where you stand today, what you may need in retirement, and how different decisions could affect your future. It shows the potential impact of changes – for example adjusting your savings rate, retirement age, or assumptions.

Because Planaberry does not earn commissions, sell products, or promote specific investments, there are no hidden incentives behind the calculations. The goal is simply to give you a clear picture so you can make your own decisions with confidence.

Yes. Protecting your data is a top priority for us. Your information is processed in accordance with GDPR and stored securely on servers in Germany.

Planaberry uses multiple security measures to protect your data, including encrypted data storage, firewall protection, and optional two-factor authentication.

You can find more details about how we protect your data on our security page.

The free BASIS plan gives you a structured first overview of your retirement situation. It includes a calculation of your retirement needs, an estimation of your statutory pension, and the resulting pension gap.

You can also add up to two additional assets, with taxes and inflation taken into account. Clear visual projections show how your situation may develop over time, helping you understand the overall direction before expanding your plan further.

Planaberry earns money through optional paid plans. Users can unlock additional features and deeper planning capabilities by subscribing to the annual PLUS plan or purchasing the FUTURIST plan, which provides 5-year access with a one-time payment. You can compare all options here.

We do not earn money from commissions, affiliate links, product placements, or the sale of user data.

This means there are no hidden incentives behind the calculations. The goal is simply to build a tool that people find genuinely helpful for planning their retirement.

Yes. You can update your data at any time, for example your retirement age, savings rate, or assets. This allows you to see how changes affect your long-term outlook and keep your retirement plan aligned with your life as circumstances evolve.

Planaberry is primarily designed for people living and working in Germany. The calculations are based on the German statutory pension system and German rules for taxes, insurance, and retirement income.

While some assumptions such as inflation or salary growth can be adjusted, the results may not fully reflect your situation if you are outside Germany, since the underlying models are built around German regulations.

Yes. Retirement planning spans decades, and the tool should reflect that. Planaberry is continuously improved and expanded, with a focus on clarity, accuracy, and independence.