Sample data — not a real person

This is what your PensionChart looks like

A consolidated picture for Sofia Almeida, a fictional expat who worked in Germany, the Netherlands, and the UK. Every figure below is illustrative — your own picture is built from your statements.

Career across countries
🇩🇪 GermanyEmployed

2000-01-152010-06-30

🇳🇱 NetherlandsEmployed

2010-07-012018-12-31

🇬🇧 United KingdomEmployed

2019-01-01Present

Income Projection
Guaranteed monthly income for life — savings pots shown separately
Retire at

Your income comes from two places: guaranteed pensions (added up below and shown in the chart) and savings pots you draw down (shown separately — how much they pay depends on how you withdraw).


Guaranteed monthly income

at age 67

PensionClaim ageMonthlyMonthly (in EUR)
🇩🇪 Deutsche RentenversicherungAge 67≈ € 450–€ 600≈ € 450–€ 600
🇬🇧 UK State PensionAge 66≈ £100–£200≈ € 150–€ 200
🇳🇱 SVB (AOW)Age 67€ 247€ 247
Total guaranteed income≈ € 800–€ 1.050/mo

Ages shown are the ones your statements or each scheme's rules provide. Where a scheme's early-claim reduction or deferral uplift isn't known, we don't estimate one.

Savings pots — not added to the total

You draw these down, so their monthly income depends on how you withdraw. Balance shown, with an illustrative ~4%/yr draw-down.

  • 🇳🇱 Netherlands · ING Pensioenfonds€ 125.000≈ € 350–€ 500/mo if drawn ~4%/yr

Projections are based on current data and assumptions that may change. Actual pension income may differ.

Currency conversions use indicative exchange rates and are for informational purposes only.

Your pensions, by account

🇩🇪 Germany
State

Deutsche Rentenversicherung

Guaranteed income for life

Age 67≈ € 450–€ 600/mo

1 document uploaded

Estimates are illustrative projections based on available data and may not reflect actual pension entitlements.

🇳🇱 Netherlands
State

SVB (AOW)

Guaranteed income for life

Age 67€ 247/mo
9 yrs contributed

This estimate assumes average earnings and 9 qualifying years. Know your actual figures?

1 document uploaded

Estimates are illustrative projections based on available data and may not reflect actual pension entitlements.

🇳🇱 Netherlands
Occupational

ING Pensioenfonds

Savings pot — you draw this down

€ 125.000

Balance

Estimated monthly income if you draw down ~4%/yr

Age 65≈ € 300–€ 500/mo
Age 67≈ € 350–€ 500/mo
Age 70≈ € 350–€ 550/mo

2 documents uploaded

Estimates are illustrative projections based on available data and may not reflect actual pension entitlements.

🇬🇧 United Kingdom
State

UK State Pension

Guaranteed income for life

Age 66≈ £100–£200/mo

1 document uploaded

Estimates are illustrative projections based on available data and may not reflect actual pension entitlements.

Key Insights
Aggregated from 5 analyzed documents
View all in Vault →

Top Action Items

  • highRequest your UK State Pension forecast to confirm your National Insurance years
  • mediumUpload your latest German Renteninformation — the one on file is over a year old
  • mediumConfirm whether your ING occupational pension pays a lump sum or an annuity
  • lowCheck whether voluntary UK NI contributions would raise your State Pension

Identified Gaps

treaty relevantYour German, Dutch and UK periods can be aggregated under EU / EU–UK social-security coordination to meet minimum-qualifying-period rules.missing yearsNo contributions recorded for mid-2018 to early-2019 — the gap between your Dutch and UK roles.missing schemeYou may hold a small German company pension (bAV) from your Siemens years that isn't captured yet.discrepancyYour UK record shows 6 qualifying years; confirm this against your gov.uk forecast.

Your pension timeline

Early Access
Full Retirement
Max Delay
Tax Deadline
Treaty Action
Vesting
Other
60
65
70
75
Upcoming Milestones
Key pension dates on your horizon
View All
German pension — earliest claim at 63 (reduced)🇩🇪
Age 63
Netherlands — review lump-sum (bedrag ineens) tax option🇳🇱
Age 64
Combine DE + NL + UK records for eligibility
Age 65
UK State Pension becomes claimable🇬🇧
Age 66
German statutory pension at full age (67)🇩🇪
Age 67
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Sample data — not a real person. Figures are illustrative and do not constitute financial advice.