Koblenz – October 29, 2026 -- If household income suddenly stops, 51 percent of adults in Germany (excluding retirees) could cover their running costs for three months at most. For 22 percent, the savings would not last even one month. That is the finding of a representative Civey survey commissioned by insurer Debeka.
Only 23 percent could last beyond six months
Just under a quarter of respondents (23 percent) could get by for longer than half a year without income. Almost twice as many women as men say their household could cover expenses for less than a month.
A surprise bill of 3,000 euros overwhelms 37 percent
Single large bills are also a problem. 37 percent could not pay an unexpected 3,000 euros at short notice without getting into financial difficulty. Among 18- to 29-year-olds, the share is 63 percent. Households with children are hit harder (46 percent) than childless ones (34 percent).
Spending cuts come first, pension savings last
Under short-term financial pressure, 54 percent would first reduce their spending. Only 14 percent would cut savings contributions or retirement provision when facing a larger burden.
Debeka CEO Thomas Brahm pointed to rising living costs, uncertain employment and growing strain on social systems. He said the pension reforms now under way need to work, especially for low-income households. His advice: start early, even with small contributions, claim state subsidies and save consistently.
Survey covered 1,000 adults and 1,000 private savers
Civey surveyed 1,000 adults (excluding retirees) and 1,000 people who save privately for retirement online from September 9 to 15, 2026. The results are weighted to be representative. The statistical margin of error is 5.9 to 6.4 percentage points for the respective overall result.