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
1.3.7
July 14, 2026
Wichtige Korrekturen an der Rentenberechnung: • Vorgezogene Rente (§ 36 SGB VI): Der frühestmögliche Rentenbeginn liegt bei 63 Jahren — für die Jahrgänge 1958–1963 ließ sich bisher ein Eintritt darunter einstellen und der Abschlag wurde zu hoch angezeigt. Jetzt jahrgangsgenau. Neu: Hinweis, wenn die 35 Beitragsjahre für den vorzeitigen Bezug noch nicht erreicht sind. • Rechenwerte 2026 aktualisiert: Kranken- und Pflegeversicherungsbeitrag auf die Rente, Einkommensteuertarif und Rürup-Höchstbetrag. • DRV-Scan: Nach dem Scannen wird Ihre erworbene Anwartschaft jetzt sofort angezeigt — auch ohne Angabe des Jahresbruttos. • Schließungswege: klarere Darstellung inklusive Besteuerung der Auszahlung. • Pensivo Pro: Beim Freischalten und beim Wiederherstellen eines Kaufs wurden Fehler- und Statusmeldungen nicht angezeigt — die Schaltflächen wirkten dadurch wirkungslos. Behoben; Sie erhalten jetzt in jedem Fall eine Rückmeldung.
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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.