The #1 pension plan in Germany without upfront costs.

Contribute from as little as 100 € / mo.

Hand-picked portfolios from 500+ ETFs

Benefit from tax-free compounding

Digital, low-cost solution for worldwide retirement

Why do you need a Private Pension Plan?

Public pensions in Germany often fall short of providing a comfortable retirement. Self-managed investments through brokers frequently yield poor returns and lack tax benefits.

Graph visualizing the pension gap between public pension and income before retirement.

Meet Pensionfriend: your retirement solution

We help you invest and retire safe and sound with our low-cost, high-performance pension plan.

Our online questionnaire helps us estimate your future pension income requirements and monthly savings goal to close a pension gap if it exists.
Calculate your pension gap and savings goal image
Calculate your pension gap and savings goal image

Who is Pensionfriend for?

We recommend you the optimal composition of our outperforming portfolios. You benefit from tax-free, automatic rebalancing so you can retire with more!

Employees

Self-Employed

Parents

Expats

ETF Investors

Close to Retiring

Our three ETF-based pension products

We’ve created three investment portfolios, based on our detailed analysis of the longest data series available. It dynamically adapts based on your income, age and portfolio performance.

Global

Global large and small capitalization companies that historically outperform the MSCI World Index.

Currency
USD
ETF cost per year
0,25 %
Pensionfriend cost per year
0,49 - 0,79 %
Expected annual return
8,30 %
Average historic performance
13,0 %
2023 performance result
20,77 %
Expected net assets at age 67*
452.551 €

Global Green

Large and small capitalization companies, fulfilling environmental, social and governance (ESG) criteria.

Currency
USD
ETF cost per year
0,28 %
Pensionfriend cost per year
0,49 - 0,79 %
Expected annual return
7,90 %- 8,20 %
Average historic performance
14,2 %
2023 performance result
21,57 %
Expected net assets at age 67*
449.163 €

Euro Green

European large and small capitalization companies, fulfilling environmental, social and governance (ESG) criteria.

Currency
EUR
ETF cost per year
0,26 %
Pensionfriend cost per year
0,49 - 0,79 %
Expected annual return
7,20 %
Average historic performance
8,01 %
2023 performance result
18,33 %
Expected net assets at age 67*
284.575 €
*These are example calculations for a 30 year old who invests 2.000 € one-time and 250 € monthly until their retirement at age 67.

«We expect to perform 2% better than the MSCI World Index»

Dr. Chris Mulder. Former IMF and World Bank Manager, who advised Public Officials managing trillions of euros in assets.

Pensionfriend Portfolio Performance in 2023

+ 20,77 %

Global

+ 21,57 %

Global Green

+ 18,33 %

Euro Green

How does Pensionfriend compare?

Understand how Pensionfriend compares to investing in ETFs directly or how it compares to a more classic private pension product with upfront fees.

Your preferences

Select comparison Select comparison

What is your monthly contribution?

Monthly contribution?

300 €

How old are you?

35

What is your upfront contribution?

€
Investing directly Pensionfriend
Fees and taxes
0,00 % 0,00 %
Fees
0,00 % 0,00 %
Capital gains tax
0,00 % 0,00 %
Witholding tax
0,00 % 0,00 %
On rebalancing
0,00 % 0,00 %
On withdrawal
0,00 % 0,00 %
Technical benefits
0,00 % 0,00 %
Tracking difference
0,00 % 0,00 %
ETF cost
0,00 % 0,00 %
Index replication
0,00 % 0,00 %
Rebalancing algorithm
0,00 % 0,00 %
Partner tax benefit
0,00 % 0,00 %
Portfolio quality
0,00 % 0,00 %
Summary 0,00 % +0,00 %
+
The difference compared to investing in the MSCI by yourself per year
Select comparison Select comparison
Investing directly Pensionfriend
Fees and taxes
0,00 % 0,00 %
Fees
0,00 % 0,00 %
Capital gains tax
0,00 % 0,00 %
Witholding tax
0,00 % 0,00 %
On rebalancing
0,00 % 0,00 %
On withdrawal
0,00 % 0,00 %
Technical benefits
0,00 % 0,00 %
Tracking difference
0,00 % 0,00 %
ETF cost
0,00 % 0,00 %
Index replication
0,00 % 0,00 %
Rebalancing algorithm
0,00 % 0,00 %
Partner tax benefit
0,00 % 0,00 %
Portfolio quality
0,00 % 0,00 %
Summary 0,00 % +0,00 %
+
The difference compared to investing in the MSCI by yourself per year
Preferences

What is your monthly contribution?

Monthly contribution?

300 €

How old are you?

35

What is your upfront contribution?

€

Our pricing is transparent and fair

We’re confident in our performance. That’s why we don’t charge any upfront, withdrawal, or cancellations fees unlike almost every other broker in Germany. Also, when your assets grow, we charge you less over all of your pension savings.

0,79

%

per year

for all pension savings under 250.000 €

0,59

%

per year

from 250.000 € in pension savings onwards

0,49

%

per year

from 500.000 € in pension savings onwards

No cancellation fees

No rebalancing costs

No upfront fees

No withdrawal fees

Don’t take
our word for it

Thousands of people have signed up to calculate their German pension options and use Pensionfriend to manage their pension digitally.

Committed contributions

€ 100 M+

Active clients

500+

Satisfaction rate

4,9/ 5

Committed contributions

€ 100 M+

Active clients

500+

Satisfaction rate

4,9/ 5