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retirement savings in Germany, how much do I need?
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this post was submitted on 18 Jan 2026
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Asklemmy
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Over a full career, saving 10% of your salary can allow you to live comfortably in retirement with minimal government pensions. Depends on your overall salary of course, but 10% is a good start. 250 euro a month tucked away in an account that only earns a very mediocre 5% per annum would still have you almost 400k after a 40 year career. Obviously investing more and getting a better return could lead to much much more than that. A 400k annuity at retirement age would basically continue to pay 3k a month for well, as long as you need it.