We build optimal ETF portfolios to help you createa a financially secure future.

Easily calculate your pension gap

Just answer a few questions to see how much you need to save and when you can retire.

Your German public pension will not be enough

Pensionfriend has given me the investment advice and tools I’d long been looking for.

Lara B

See how much I need to retire

We'll help you design your optimal ETF portfolio

We constantly compare hundreds of indexes and ETFs to find you the best options leveraging decades of experience in finance.

We select the best ETFs based on more than just TER!

I was in expert hands from beginning to end with Pensionfriend. All my questions were answered with patience and expertise.

Alexandra Koronkai-Kiss

See my recommended portfolio

Maximize ETF returns with a tax-shield

Buy and sell ETFs within our tax-shield any time. We help your portfolio evolve as your life – and the world – changes, without you being punished with tax every time you adjust.

Save on withholding tax and capital gains tax!

I highly recommend Pensionfriend. My advisor answered all my questions, is very responsive to my quiries and concerns.

Patricia Marie Benitez

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Financial planning over video for free

Our advisors will guide you through your options online helping you to understand the best ETFs for you. Our job isn't done until you're happily retired.

Pension products are complex we're here to help

I really enjoyed the process of opening my pension fund account with Pensionfriend. For 1 year they have been catching up listening to my needs and adapting my plan accordingly.

Maria Ida Palmieri

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Your money is safe and accessible

Your savings are securely insured with our partner, Liechtenstein Life AG – and always at your fingertips in the Pensionfriend app, whether you stay in Germany or move abroad. Even better: your money is shielded from Exit Tax regulations.

Pensionfriend was incredibly helpful and supportive with navigating the options for an ETF retirement account.

Clare Waldmann

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Keep more of your investment returns

Keep the annual withholding tax for yourself and save on capital gains taxes, worth around 1–1.5% per year. On top of that, our ETF selection and automatic rebalancing can add up to ~2% extra return. We keep our fees low so that you'll be better off by roughly 2% per year over the long term.

0,69

per year

for all pension savings under 250.000 €

0,49

per year

from 250.000 € in pension savings onwards

No cancellation fees

No rebalancing costs

No upfront fees

No withdrawal fees

«We've outperformed MSCI World Index by +20%»

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

Pensionfriend Portfolio Performance since inception

+ 20,77 %

2023

+ 21,57 %

2024

+ 18,33 %

2025

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

€ 150 M+

Active clients

1000+

Satisfaction rate

4,9/ 5

3 days ago

I am satisfied with the service Pensionfriend had offered me diving into every detail and clarifying every query I had with patience. Id highly recommend them as an investment partner

Ashish Shetty

2 weeks ago

Marc made the whole process super easy and was always there to answer any of my questions. Great experience and would highly recommend Pensionfriend to any of my friends. In short, top value pension advice and service!

Alan Peacock

last month

I had a great experience with Pensionfriend! Marvin was very friendly and professional, I got great insights into the pension solutions.

Tomas Dosek

2 months ago

Marvin was great in guiding us and answering all the questions we had. He also was very quick in setting up everything. Great experience.

sara shadmani

2 months ago

I compared all the options in Germany before opting for a pension plan. While the requirements might be different for everyone, I found Pensionfriend to be an extremely good offer. So if you want to have a pension that lets you control your portfolio and has the lowest overhead/administrative costs, Pensionfriend is your friend (pun intended)

Haris Jabbar

2 months ago

I had a nice experience with Marvin who was very informative and professional and clarified all of my questions. It was so simple to start my pension with them and love the dashboard where one can see how your pension grows overtime. Great product!

Janine Mostert

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Committed contributions

€ 150 M+

Active clients

1000+

Satisfaction rate

4,9/ 5

Easily calculate your pension gap

We'll help you design your optimal ETF portfolio

Maximize ETF returns with a tax-shield

Financial planning over video for free

Your money is safe and accessible

Keep more of your investment returns

0,69

0,49

«We've outperformed MSCI World Index by +20%»

+ 20,77 %

+ 21,57 %

+ 18,33 %

Don't take our word for it

Don't take
our word for it