Pensivo – Rentenrechner
Rentenlücke & Netto-Rente
About
Calculate your estimated statutory pension and identify any retirement income gaps. This tool provides a transparent assessment of your future net pension, considering taxes and insurance. Explore various retirement scenarios and plan your private provisions.
What's New in Pensivo
1.4.0
August 8, 2026
Sie können Ihre DRV-Renteninformation jetzt direkt beim ersten Start abfotografieren – Geburtsjahr, Entgeltpunkte und die Rentenwerte werden übernommen. Die Erkennung wurde grundlegend überarbeitet und liest die Werte aus der rechten Spalte des Briefs jetzt zuverlässig; scannen Sie am besten Vorder- und Rückseite in einem Durchgang. Weicht die Prognose Ihrer Renteninformation von der Berechnung in Pensivo ab, sehen Sie beide Zahlen nebeneinander mit einer kurzen Erklärung.
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FAQ
How does Pensivo calculate my statutory pension?
Pensivo calculates your statutory pension based on your birth year, income, and years of contributions. It also incorporates your pension points from the DRV (German Pension Insurance) statement to provide a precise estimate.
What is the PRO version of Pensivo and how much does it cost?
The PRO version of Pensivo costs a one-time fee of €4.99. It offers a detailed breakdown of your net pension after taxes and insurance, compares different private provision options like ETFs and Riester, and allows you to define your desired retirement income.
Does Pensivo require registration or send my data to servers?
No, Pensivo prioritizes your privacy. All entered data remains exclusively on your device. There is no registration required, no servers are used, and your data is not shared.
What is the update frequency of Pensivo?
Pensivo was last updated on July 1, 2026, indicating active development. The latest version is 1.3.4.
Is Pensivo available on multiple devices?
Yes, Pensivo is supported on Mac, iPhone, and iPad, allowing you to plan your retirement across your Apple devices.
What are the limitations of Pensivo's calculations?
All calculations performed by Pensivo are non-binding estimates. The official pension statement from the Deutsche Rentenversicherung is always the definitive source for your pension entitlement.
How does Pensivo compare to official DRV calculations?
Pensivo uses the current German pension formula for its calculations, aiming for transparency and accuracy. However, it is an estimation tool, and the official DRV pension statement remains the legally binding document.
What user sentiment is reflected in Pensivo's ratings?
Pensivo has received an excellent rating of 5.0 stars from 2 ratings, suggesting a highly positive user experience and satisfaction with its features and accuracy.