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.
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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
172
reviews on
2 weeks 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
1 month 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
1 month ago
From the beginning, before I even became a customer, Dimple was professional and patient with all my questions. I really appreciate the courteousness and hospitality in the process of understanding. I didn't feel rushed or pushed. Even when she was on holiday, a colleague took over and helped me. So, I am really happy with the team. I got the plan setup and running. Like the app and overview. I shall now look into process of updating and selecting investment instruments beyond the one we initially started with. Some areas to improve would be for the user to self select/allocate ETF instruments of choice. Thank You again.
Raju Gurung
1 month ago
I had a very smooth process setting up a pension plan. The communication was very clear and the app is very straightforward and easy to use. Thank you Dimple!
Tooltoy1
1 month ago
After a great experience with Hypofriend, and reading the educational resources from Pensionfriend, I decided to give it a shot. I shared my existing Rürup pension plan and was provided with an analysis that highlighted numerous issues, including its high fees. In a video call, Marvin explained the aspects and differences with a private pension plan. Switching to a private pension was straightforward, and my old expensive pension was cancelled for me. Clear communication, clear and lower fees, a detailed dashboard to understand my current situation with respect to retirement, flexibility in monthly contributions, and flexibility in access to funds, all convinced me that switching was the right decision. So long as this review is up, I recommend Pensionfriend without reservation.
Pierre
2 months ago
I would highly recommend Pensionfriend to anyone who wants to start saving for the future. I just started mine this January, and honestly, the process has been smooth but with many documents to read and understand, as expected. The staff member called Jan has been so available to respond to my questions and concerns, and has also advised on the best model to work with (also in English -one thing I appreciate so much). I could not have been happier. Btw, I'm a student and also working part-time, so I don't have much, but this is the best decision I have made so far in my life, and it truly guarantees an easy and enjoyable future for me 37 years from now! I HIGHLY RECOMMEND IT TO ANYONE IN EU!
Grace Orao
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Committed contributions

€ 150 M+

Active clients

1000+

Satisfaction rate

4,9/ 5