A simple estimator often gives one statutory pension number. This calculator models several DACH systems: German pension points, Swiss AHV/BVG/pillar 3a, Austrian pension account values, cross-border periods, pension splitting and the gap to a target retirement budget.

The core formula is pension points multiplied by current pension value and access factor. If you enter official pension points from the Renteninformation, the calculator uses them. Without that, it estimates pension points from income and working years.

The current pension value is EUR 40.79 until 30 June 2026. The Deutsche Rentenversicherung reports a planned 4.24% increase from 1 July 2026, raising the value to EUR 42.52, subject to the formal regulation process.

Switzerland is modelled through the three-pillar system. AHV depends on contribution years and average income. BVG depends on pension-fund capital, coordinated salary and conversion assumptions. Pillar 3a is projected as tax-privileged private capital.

The Swiss view can account for the 13th AHV old-age pension from 2026 in the annual value and present it as an average monthly amount, so AHV, BVG and pillar 3a can be compared side by side.

The Austrian pension-account value is not free capital. It represents the annual gross pension entitlement already accrued. The calculator adds future credits and spreads the projected pension over 14 Austrian payments per year.

For Germany, use pension points from the Renteninformation. For Switzerland, use AHV statement, pension-fund certificate and pillar 3a balances. For Austria, use the Pensionskonto statement. Real values reduce the amount the calculator must estimate.

Yes. The cross-border mode is designed for people with periods in Germany, Switzerland or Austria. It can help show which system contributes what and whether waiting periods may be met, but official entitlements remain with the pension authorities and pension funds.