How the calculators work
All amounts are shown in today’s wage level, so the replacement rate does not depend on a wage forecast; you can switch to today’s prices or to the money of your retirement year. The target is a share of your last gross salary (70 % by default). The gap is turned into the capital needed at retirement and into a monthly saving that rises with your salary, split over the tax-advantaged products of the country up to their legal limits.