What pension documents can I analyze?

Retirement PlanAI supports German Renteninformation and Rentenbescheid, Swiss BVG statements and pension certificates, Austrian Pensionskonto statements, bAV documents (Direktversicherung, Pensionskasse, Pensionsfonds), Riester and Ruerup contract summaries, and portfolio overviews. The AI extracts key figures, calculates pension gaps, and provides optimization recommendations.

Is my financial data stored or used for AI training?

No. All documents are processed on EU-hosted infrastructure (Hetzner, Germany) using a locally-run AI model. Your files are automatically deleted when your session expires after 60 minutes. No data is stored permanently, no data leaves the EU, and no document content is used to train AI models.

Which countries are supported?

Retirement PlanAI is built for the DACH region: Germany (gesetzliche Rentenversicherung, bAV, Riester, Ruerup), Switzerland (AHV, BVG Pillar 2, Pillar 3a/3b), and Austria (Pensionskonto, Praemienbeguenstigte Zukunftsvorsorge). The AI understands the specific pension rules, tax treatment, and retirement ages for each country.

Is this financial advice?

No. Retirement PlanAI provides AI-generated analysis for informational purposes only. It does not constitute financial, tax, or legal advice. Always consult a qualified financial advisor before making retirement planning decisions. The tool helps you understand your pension documents and explore scenarios, but final decisions should be made with professional guidance.

Retirement PlanAITry Free

GDPR Compliant • EU Hosted • Results in 60 Seconds

Stop Guessing Your Retirement

AI-powered retirement planning for Europe. Upload pension statements, model scenarios, optimize tax strategies. Get clarity on your financial future in seconds.

See Features Plan My Retirement

Retirement PlanAI — AI-powered pension planning dashboard

Features

Built for Retirement Planning

Four specialized analysis modes for DACH pension systems. Upload a document and get structured retirement insights instantly.

Pension Statement Analysis

Upload your Renteninformation, BVG statement, or Pensionskonto. AI extracts projected pension, contribution history, and identifies gaps in your coverage.

Supports German, Swiss, and Austrian pension statements

RenteninformationBVG-AusweisPensionskonto

Retirement Scenario Modeling

Model early retirement, partial retirement, or extended work scenarios. See exactly how each choice affects your monthly income.

Compare regular, early, and partial retirement side by side

Early RetirementAltersteilzeitGap Years

Tax-Optimized Withdrawal

Analyze the tax impact of Riester, Ruerup, bAV, and private savings. Find the withdrawal sequence that minimizes your lifetime tax burden.

Covers Abgeltungssteuer, Ertragsanteil, and pension taxation

RiesterRuerupAbgeltungssteuer

Portfolio Risk Assessment

Evaluate your retirement portfolio allocation against age-appropriate targets. Get rebalancing recommendations and sustainable withdrawal rates.

Glide path analysis with sequence-of-returns risk check

Asset AllocationWithdrawal RateRebalancing

GDPR Compliant

All processing on EU-hosted infrastructure. Documents deleted after session. No data stored or used for training. Your financial data never leaves Europe.

Hetzner Germany — EU data residency guaranteed

EU HostedAuto-DeleteNo Training

DACH-Specific AI

Not a generic financial tool. AI prompts built specifically for German, Swiss, and Austrian pension systems, tax rules, and retirement regulations.

Trained on DACH pension terminology and legal frameworks

DACH RegionDomain-SpecificPension Rules

Results in 60 Seconds

Upload a pension statement, get a full analysis in under a minute. No waiting for advisor appointments. No signup required.

Average processing time: 30-60 seconds per document

InstantNo SignupFree Tier

Pension Gap Calculator

See the gap between your projected pension and your target retirement income. Get specific recommendations to close the shortfall.

Compares projected pension to EUR 1,800/month living cost baseline

Pension GapSavings TargetAction Plan

Compare

How We Compare

See how Retirement PlanAI compares to traditional financial advisors and DIY spreadsheet planning.

Criteria	Financial Advisor	Spreadsheets	Retirement PlanAI
Time to get answers	2-4 weeks (advisor appointment)	Hours of manual research	Under 60 seconds
Cost	EUR 200-500 per session	Free (your time)	Free — no signup
Pension systems covered	Depends on advisor expertise	Whatever you know	Germany, Switzerland, Austria (all pillars)
Scenario modeling	Limited, manual calculations	Build your own formulas	Instant: early, partial, extended, gap year
Tax optimization	Generic advice	Requires deep tax knowledge	Riester, Ruerup, bAV, Abgeltungssteuer analysis
Availability	Business hours	Anytime	24/7
Data privacy	Shared with advisor firm	Local file	EU-hosted, auto-deleted after session
Objectivity	May sell products	Depends on your knowledge	No product sales, no commissions

Privacy

Your Data Stays Private

Pension statements and financial documents contain sensitive personal and financial data. We built this tool with privacy as the foundation, not an afterthought.

EU-Hosted Infrastructure

All processing happens on Hetzner servers in Germany. Your financial documents never leave the European Union.

Auto-Delete After Session

Documents are deleted automatically when your session ends. No files are stored permanently on our servers.

No Data Training

Your documents are never used to train AI models. Analysis happens in isolated sessions with no data retention.

Most AI tools send your data to US clouds.
Most financial planners store your data indefinitely.
We process in the EU and delete on session end.

How It Works

Four Steps to Retirement Clarity

Upload Your Document

Drag and drop a pension statement, Renteninformation, portfolio overview, or any retirement-related PDF. No signup required.

AI Analyzes Everything

Retirement-specific AI reads the full document, extracts key figures, calculates your pension gap, and flags risks automatically.

Model Your Scenarios

Compare early retirement, partial retirement, and extended work scenarios. See how each choice affects your monthly income and tax burden.

Get Recommendations

Receive specific, actionable recommendations: optimal withdrawal sequence, tax savings, rebalancing moves, and contribution strategies.

Ready to Plan Your Retirement?

Upload a pension statement or portfolio overview. Get structured insights, scenario comparisons, and tax optimization in seconds. No signup, no credit card.

Plan My Retirement View Features