One Complete Picture Instead of Scattered Numbers

Retirement income rarely comes from just one source. It usually consists of several different assets.

Planaberry combines these building blocks into one coherent plan and models them across your entire life – from the accumulation phase to withdrawals during retirement.

This creates a complete picture of whether your retirement plan may be sufficient overall.

Chart showing an exemplary timeline of assets and their projected income in retirement.
Chart showing an exemplary development of an investment and its projected savings, returns, and withdrawals over time.

Every Asset Follows Its Own Rules

Planaberry models each asset individually instead of relying on simplified assumptions.

Investments, insurance policies, real estate, statutory pensions and company pensions all behave differently in terms of growth, payout timing and taxation.

By modeling each asset separately, Planaberry can show how every component may evolve over time and what contribution it could realistically make to your retirement income.

Assets At a Glance

Statutory Pension

Planaberry considers the pension entitlements you have already earned and estimates the statutory pension you may receive in retirement. This makes it clear how much of your retirement needs may already be covered.

Investment

Planaberry shows how your investments may develop until retirement and beyond – from the saving phase to withdrawals. Monte Carlo simulations illustrate how different market environments could influence the development of your portfolio and the withdrawals it may support.

Company Pension

Planaberry models company pensions both as recurring payments and as lump-sum payouts. If you choose a lump-sum payout, you can define how the capital should be invested and used afterward.

Insurance

Planaberry models private pension insurance, endowment policies, and Riester or Rürup pensions according to their payout structures, including both recurring payments and lump-sum payouts. If you choose a lump-sum payout, you can define how the capital should be invested and used afterward.

Overnight Money

Planaberry shows how overnight money accounts may develop until retirement and beyond. Different interest rate assumptions can be applied across different phases.

Cash

Cash is modeled as freely available capital without growth. You can decide whether to use it as retirement income or keep it as a reserve.

Real Estate

Planaberry models real estate differently depending on its use. Rental properties contribute rental income after expenses, while owner-occupied properties do not generate income but may still affect your retirement needs due to expenses or outstanding debt.

Crypto (coming soon)

Planaberry shows how crypto investments may develop until retirement and beyond. Monte Carlo simulations illustrate how market volatility could affect potential withdrawals.

Valuables (coming soon)

Valuables are modeled depending on their type. ETCs can act as an income-generating asset, while physical valuables can be held as a reserve or sold and reinvested. Possible market developments are also modeled through Monte Carlo simulations.

Why This Matters

Because Only the Full Picture Shows Whether It's Enough

Your retirement outcome is not determined by a single asset but by the combination of all of them.

Modeling different assets together helps you understand:

  • that different assets follow different rules
  • how each asset contributes to your retirement income
  • whether the combined income from all sources may be sufficient over the course of retirement