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Check your savings

How long will your money last
when every month falls a little short?

Income, spending, loan and savings: you enter what you have and what you need. You see the month in which your cash would run out, with and without your shares.

  • No account needed
  • Your figures are not stored
  • No product sales, no advice
Step 1 of 5

How much do you have each month today, after tax?

Salary, pension or whatever comes in regularly. A round figure is enough.

Rough figures are enough: everything here is a non-binding estimate.

How it works

Your result in three steps

  1. 1 Enter your figures Income now and later, assets, loan and spending. Your pension comes from your pension statement.
  2. 2 See your result Gap, how long your savings last and remaining debt, plus your overall picture over the coming years.
  3. 3 Try variations A different retirement date, another instalment, less spending: change a figure, calculate again, compare.
And then?

With OWNAMIC you work with real figures

Spending from your household book Instead of an estimate, OWNAMIC works with what you actually spend.
Contracts and deadlines in view Which subscriptions and contracts you could cancel by when, and a reminder before every deadline.
Everything in one place Accounts, loan, property, collection and receipts: whatever you record once, every further tool can use.

You can also …

Pension gap calculator Your monthly gap from the start of your pension, with your own figures. Mortgage paid off by retirement? The debt left when your pension starts, and the month your loan is repaid.
An independent product from Germany, with no financial sales behind it.
Hosted in Germany, your data encrypted.
After the trial from 3.49 € a month.

Frequently asked questions

What return does the calculator assume?

None. Cash, shares and other assets keep the value you enter today, and prices stay flat. In the overall picture below the result you set inflation and value growth yourself and see straight away what changes.

Why does the calculator show two dates?

The first date covers your cash, meaning current and savings accounts. The second adds your shares and funds, as if you sold them bit by bit. A property or other tangible assets are not included, because they cannot be spent in monthly amounts.

Do I have to enter a retirement date?

No. If you are already retired or your income is not going to change, leave the date empty and enter only your net income today.

A description, not advice. The calculator works only with your own figures, without inflation, returns or taxes. It does not calculate pension entitlements and does not replace pension, financial or lending advice.

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OWNAMIC as an app

Add OWNAMIC to your Home Screen

iPhone and iPad have no install dialog – Apple leaves it to Safari's share menu. Three taps and OWNAMIC opens like any other app: full screen, with its own icon.

  1. Tap the share icon in Safari's bottom bar.
  2. Scroll down the list and choose “Add to Home Screen”.
  3. Confirm with “Add” – OWNAMIC is now on your Home Screen.

Only Safari can put a web app on the iOS Home Screen. If you are reading this in another browser, open ownamic.com in Safari first.