The calculator is basically not bad. In my opinion, it is also perfectly adequate for a rough overview/planning. In the coming parts of my "Financial freedom" series, however, I will go into more detail on some points that are not insignificant for many people (including pension entitlements that you have already earned).
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@KevinE Absolutely. As much as people complain about pensions, they still get something out of it. Other factors also play a role. For example, I'm currently well below the amount I need, but I bought my own home cheaply and am modernizing it to reduce operating costs. You shouldn't forget that operating costs are subject to inflation and therefore generate negative returns. The same applies to your own electricity production.
But I also found it good for an overview 🙃
But I also found it good for an overview 🙃
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•@devnerd_daddy Yes, a "zero pension" is inconceivable for me. I'm pessimistic myself and expect less than the pension statement. But it's not realistic that there will be nothing. The impact on large sections of society would be huge - no policy will be able to risk that. "Survival" has to be guaranteed somehow.
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