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

2 months ago

The communication and processes from very beginning till signing my pension plan was clear and easy. I got all the information and answers on my questions about the investment plan and how it works, which was super helpful and I decided to go for it. I highly recommend to book a consultation if you had a thought about investment in your pension or have any doubts - the team of professionals will help you.

Anna Galoian

3 months 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

4 months ago

We have had a great experience with Pensionfriend, and especially working with Marc. He is friendly, easy to talk to, and always available to answer any questions we have. He explains everything clearly and makes the process simple to understand, without ever putting pressure on us. It’s been very easy to get in touch and communicate with him throughout.We really appreciate the flexibility they offer and the low costs, which makes everything even easier. We highly recommend Pensionfriend to anyone looking for professional and supportive pension advice!

Stacie McGugan

5 months ago

I had a series of meetings with Jan at PensionFriend to assess the state of my pension planning and to develop options. His guidance was detailed, straightforward and concise, and I was very happy with his support and advice. Can highly recommend.

raceforspace99

6 months ago

I had an excellent experience with Pensionfriend. The video meeting was extremely pleasant, clear, and very well structured. Everything was explained in a way that was easy to understand, and all of my questions were answered thoroughly and patiently. I felt genuinely supported and well advised throughout the entire process.A special thank you to Marvin for his friendly, professional, and clear guidance — it made the whole experience smooth and reassuring. I can highly recommend their service to anyone looking for trustworthy and competent advice.

Pavel Avvakumov

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