Can I afford to retire there

🇩🇪 Germany

Normal retirement age (OECD)

66.2

For today's 22-year-old entrant

67

Statutory age (WBL)

66

Net replacement (50 / 100 / 200% of average wage)

57.7% / 53.3% / 38.8%

Expected years after leaving work

men 19, women 22.4

Pensioners below 50% of median income

12.6% (2022)

Average tax rate on an average pension

21.6%

Life expectancy at birth · population 65+

80.8 years (2024) · 23.7%

• Pension rules and visa conditions as published by the named sources on the dates shown, for information only. Entitlements depend on your contribution record and residence; check with the scheme and the embassy before deciding anything.
• OECD figures describe a full-career average earner who entered work at 22 under mandatory schemes; replacement rates are the men's figure, with the women's shown where it differs. They are not a forecast of any individual's pension.

No retiree route at all: AU, CA, CH, CN, CZ, DE, DK, GB, HU, IE, IN, JP, KR, NG, NL, NO, PL, SE, SG, US, VN.

• Pension rules and visa conditions as published by the named sources on the dates shown, for information only. Entitlements depend on your contribution record and residence; check with the scheme and the embassy before deciding anything.
• Income and deposit thresholds move with minimum wages, indices and decrees, and consulates apply their own reading; dependants raise them. Each row names the page it was read from and the date.
• Thresholds are compared in USD at the site's FX snapshot; the row carries the original figure. Ages are checked only when given.
• One or more entries were read from secondary reporting because the official page could not be fetched; see each row's confidence.

GBP 1,500 a month is about USD 1,976.

• Pension rules and visa conditions as published by the named sources on the dates shown, for information only. Entitlements depend on your contribution record and residence; check with the scheme and the embassy before deciding anything.
• Essentials are MODELLED from the US basket scaled by each country's price level, not measured rents and bills; the model has been checked against real series and errs both ways. Coverage is an ordering, not a budget.
• The pension is taken as fixed in its own currency at the site's FX snapshot; health out-of-pocket is the national average per person, not a retiree's. A visa kind of none means no retiree route exists — the country may still be reachable another way.

Worth $1,864 a month at Portugal prices today (1,650 EUR); after 10 years at 2.3% inflation, $1,479 — a loss of 20.7% of its purchasing power.

Pension $1,318 a month (1000 GBP); inflation is Portugal's 2025 figure.

• The projection applies the destination's latest annual inflation flat for every year. It is not a forecast; it shows what continuing at last year's rate would do to a fixed income.
• Inflation is the latest annual consumer-price change published by the World Bank. Any projection at that rate is flat — a statement about the last year, not a forecast.
• Assumes the pension is fixed in its own currency and the exchange rate stays at the site's snapshot. Many state pensions are uprated annually — and some are frozen for expatriates in particular countries — which this tool does not model.