Your public pension won’t be enough. But we’re here to help.
Calculate your pension gap in 2 minutes and see whether our private, ETF-based pension plan makes sense for you.
Or

4.9 avg.

150+ Reviews

1000+Happy Investors
No hidden feeswith free advice

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

Easily calculate your pension gap image

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

We'll help you design your optimal ETF portfolio image

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!

Maximize ETF returns with a tax-shield image

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!

Financial planning over video for free image

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

Your money is safe and accessible image

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.


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

4.9 Stars
See all
150
reviews on
1 week ago
I have signed up for the pension product of Pensionfriend. The process of onboarding was flawless. Marc answered all my questions and guided me through all the steps.At this point can't say much about the performance of the product, time will tell.
Vladi
1 month ago
Martin provided outstanding, transparent advice that successfully cut through the complexity of the German pension system. He was extremely knowledgeable about the low-cost ETF strategy and helped me structure a long-term plan that is perfectly aligned with my future goals and high flexibility needs. I would recommend Pensionfriend for anyone who is looking for a long-term EFT investment.
Héctor Jacobo
1 month ago
Pensionfriend (and Hypofriend, Investfriend and the whole -Friend family) are as it as it gets. Probably the most trustworthy and honest company you can find around. The experience is good overall, but the communication, transparency and the amount of support they give even without yet working with them or bringing them business yet are outstanding. And the fact that you can just rest assured that there are no small letters or sneaky behaviors is great. What they offer and provide is extremely clear. It might be convenient or not for you at a given time, but there are no hidden traps or need for suspicion or mistrust and that for me is paramount.
Gabriel Landaeta
1 month ago
Very happy of having started a private pension plan with Pensionfriend. I think it is a good product with credible capital growth potential of my account, and for reasonable costs involved. I would recommend anyone to discuss their own plan with these guys, I only wish I did it before. Having a private pension plan is generally necessary as one of the measures to compensate an expected low public pension in retirement age. From now on I will keep contributing to my Pensionfriend account and trust them to handle which ETFs to buy with the premiums I pay to my account. It is after all in their direct interest for my account to perform well, as their compensation is a small percentage of that.
Luca Barbiero
1 month ago
I had an excellent experience with Pensionfriend. From the very first call, Jan was incredibly professional, patient, and knowledgeable. He took the time to explain my pension options clearly, making a complex topic easy to understand. The whole process was smooth and transparent. I always felt supported and well-informed. I can confidently recommend Pensionfriend to anyone looking for reliable and friendly pension advice in Germany!
Anoj Krishna Thirunavukkarasu
2 months ago
It has been a very positive experience engaging with Pensionfriend, and specifically Dimple. Everything was clearly explained and she was very patient with all of my questions, providing answers with supporting documents. I find Pensionfriend transparent with all costs and processes, and the flexibility of the product allows me input into my investment, but I also have access to the professional expertise offered by Pensionfriend. The dashboard is easy to work with and I have access to my portfolio information whenever I want. I recommend Pensionfriend, especially as an expat - all interaction was in English and the German pension system and investments were clearly explained.
Lynda Olinger
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Committed contributions

€ 150 M+

Active clients

1000+

Satisfaction rate

4,9/ 5