Tired of the "Renteninfo" confusion? I built a free, 3-language calculator to help.

Hi everyone,

If you live in Germany, you know the feeling of getting that annual "Renteninformation" letter. It’s dense, only in German, and usually leaves you with more questions than answers. How much will I actually get? How does this change if I invest in ETFs? What’s the "gap" I need to fill?

I spent some time diving into the math of the German pension system because I wanted to understand my own future better. I realized there wasn't a simple, modern tool that explained this in plain English (or Turkish).

So, I built Rentenrechner.app.

What it does:

• Plain Language: Instantly switch between English, German, and Turkish. No more deciphering complex legal terms.

• Privacy-First: This was a huge priority for me. The tool is 100% client-side. Your salary, points, and financial data never leave your browser. It’s completely private.

• Visualize the Gap: It helps you see the "Rentenlücke" so you can plan your private investments/ETFs accordingly.

• Free & Clean: No ads, no sign-ups, and no trackers. Just a clean tool for the community.

Why I’m sharing this: I wanted to make the system transparent for everyone—locals and expats alike. Whether you're trying to figure out if you're saving enough or just want to understand what those "Entgeltpunkte" actually mean, I hope this helps.

I’d love to hear your thoughts or if you find the projections helpful for your own planning!

Check it out here: https://rentenrechner.app/