If you live in Germany, you know the feeling of getting that annual "Renteninformation" letter. It s dense, only in German, and usually leaves you with more questions than answers. How much will I actually get? How does this change if I invest in ETFs? What s the "gap" I need to fill?
I spent some time diving into the math of the German pension system because I wanted to understand my own future better. I realized there wasn't a simple, modern tool that explained this in plain English (or Turkish).
