Use the gross salary and gross pension (both are paid 14 times a year, so the percentage is the same monthly or yearly). Don't have a pension estimate? Use the pension estimator. The 70% target is a common reference for keeping your standard of living; adjust it to your situation.

Your replacement rate

Replacement rate
66.7%
Income drop per month
€500
Income you lose
33.3%

The replacement rate is the pension divided by the salary. It shows how much of your working income the pension replaces; the rest is the drop you need to plan for.

Compared with the 70% target

Pension to reach the target
€1,050
Monthly shortfall to the target
€50

The target pension is the salary times the target rate. The monthly shortfall is how much you would need to top up (for example with a PPR or other savings) to reach the target.

Educational estimate, not financial advice. It compares gross figures; the net replacement rate is usually higher, because the pension pays less income tax and no Social Security contribution.

Pension Replacement Rate Calculator by Calculadora Capital

Pension Replacement Rate Calculator