Your 24/7 Corporate Pension Advisor
Bavio is an AI-powered pension advisor that explains the three pillars of retirement and German corporate pensions (bAV) and guides employees to better decisions - any time, on any device, fully compliant.
Built by a AAA founding team with deep operator experience from Europe’s fastest-growing fintechs and global powerhouses like
Seamless across devices
Your bAV questions answered, wherever you need them
Seamless across devices
Your bAV questions answered, wherever you need them
FOR EMPLOYEES
Understand your corporate pension
Learn the three pillars of retirement, explore your employer’s bAV options, and see exactly how contributions impact your net salary - all in one simple, private, always-on advisor.
Ask anything
Ask anything
Net-pay simulation
Net-pay simulation
Privacy first
Privacy first
Personal advice
Personal advice
FOR EMPLOYEES
Understand your corporate pension
Learn the three pillars of retirement, explore your employer’s bAV options, and see exactly how contributions impact your net salary - all in one simple, private, always-on advisor.
Ask anything
Net-pay simulation
Privacy first
Personal advice
FOR EMPLOYERS
Boost bAV uptake with zero extra workload
Reduce HR workload, streamline your bAV rollout, and help employees understand their options faster - all with one simple, compliant, always-on advisor.
Benefit upgrade
Benefit upgrade
Zero Liability
Zero Liability
Higher Participation
Higher Participation
Seamless Integration
Seamless Integration
FOR EMPLOYERS
Boost bAV uptake with zero extra workload
Reduce HR workload, streamline your bAV rollout, and help employees understand their options faster - all with one simple, compliant, always-on advisor.
Benefit upgrade
Zero Liability
Higher Participation
Seamless Integration
features
Built to make corporate pensions finally work
Teaches the three pillars of retirement
Bavio explains the German pension system in a way that finally makes sense. Employees quickly understand where bAV fits and why it matters.
Integrates seamlessly with the HR tools you already use
Connect Bavio to your existing HR systems. Employees access their pension advisor directly in the tools they already use, no new logins.
Accurate net-pay simulations
Bavio shows employees exactly how contributions impact take-home pay, taxes, and future pension.
Accurate net-pay simulations
Bavio shows employees exactly how contributions impact take-home pay, taxes, and future pension.
Compliance baked in
Every interaction is logged, structured, and IDD/GDPR-ready. HR stays out of regulated advice.
Compliance baked in
Every interaction is logged, structured, and IDD/GDPR-ready. HR stays out of regulated advice.
Speaks German payroll
Bavio understands salary, tax classes, social security, employer subsidies, and contribution limits.
Speaks German payroll
Bavio understands salary, tax classes, social security, employer subsidies, and contribution limits.
features
Built to make corporate pensions finally work
Teaches the three pillars of retirement
Bavio explains the German pension system in a way that finally makes sense. Employees quickly understand where bAV fits and why it matters.
Integrates seamlessly with the HR tools you already use
Connect Bavio to your existing HR systems. Employees access their pension advisor directly in the tools they already use, no new logins.
Accurate net-pay simulations
Bavio shows employees exactly how contributions impact take-home pay, taxes, and future pension.
Compliance baked in
Every interaction is logged, structured, and IDD/GDPR-ready. HR stays out of regulated advice.
Speaks German payroll
Bavio understands salary, tax classes, social security, employer subsidies, and contribution limits.
“If this works at scale, every employer in Germany will want Bavio in their HR stack.”
Martha Punla
Head of bAV Strategy, Major Insurance Group
“If this works at scale, every employer in Germany will want Bavio in their HR stack.”
Martha Punla
Head of bAV Strategy, Major Insurance Group
“We’ve been looking for a scalable way to educate employees on pensions. If Bavio can deliver this kind of advice, it would instantly become part of our bAV strategy.”
Sabine Keller
Pension Product Lead, Retail Bank
“Employee education is our biggest bottleneck. A tool that prepares workers and hands us clean case files would streamline everything. We’re very interested in a first pilot.”
Markus Lindner
bAV Partnerships, Insurance Group
“HR gets flooded with pension questions we can’t legally answer. A 24/7 advisor that explains the pillars and shows net-pay effects would solve a huge pain for our teams.”
Julia Reimer
People & Culture, Tech Company
“Most of our time is spent on basics, not on advice. If Bavio handles education and data capture, our advisors could triple their capacity. We’d gladly pilot this with clients.”
Tobias Hahn
Partner, bAV Brokerage Firm
“We’ve been looking for a scalable way to educate employees on pensions. If Bavio can deliver this kind of advice, it would instantly become part of our bAV.”
Sabine Keller
Pension Product Lead, Retail Bank
“HR gets flooded with pension questions we can’t legally answer. A 24/7 advisor that explains the pillars and shows net-pay effects would solve a huge pain for our teams.”
Julia Reimer
People & Culture, Tech Company
“Employee education is our biggest bottleneck. A tool that prepares workers and hands us clean case files would streamline everything. We’re very interested in a first pilot.”
Markus Lindner
bAV Partnerships, Insurance Group
“Most of our time is spent on basics, not on advice. If Bavio handles education and data capture, our advisors could triple their capacity. We’d gladly pilot this with clients.”
Tobias Hahn
Partner, bAV Brokerage Firm
“If this works at scale, every employer in Germany will want Bavio in their HR stack.”
Martha Punla
Head of bAV Strategy, Major Insurance Group
“We’ve been looking for a scalable way to educate employees on pensions. If Bavio can deliver this kind of advice, it would instantly become part of our bAV strategy.”
Sabine Keller
Pension Product Lead, Retail Bank
“Employee education is our biggest bottleneck. A tool that prepares workers and hands us clean case files would streamline everything. We’re very interested in a first pilot.”
Markus Lindner
bAV Partnerships, Insurance Group
“HR gets flooded with pension questions we can’t legally answer. A 24/7 advisor that explains the pillars and shows net-pay effects would solve a huge pain for our teams.”
Julia Reimer
People & Culture, Tech Company
“Most of our time is spent on basics, not on advice. If Bavio handles education and data capture, our advisors could triple their capacity. We’d gladly pilot this with clients.”
Tobias Hahn
Partner, bAV Brokerage Firm
“We’ve been looking for a scalable way to educate employees on pensions. If Bavio can deliver this kind of advice, it would instantly become part of our bAV.”
Sabine Keller
Pension Product Lead, Retail Bank
“HR gets flooded with pension questions we can’t legally answer. A 24/7 advisor that explains the pillars and shows net-pay effects would solve a huge pain for our teams.”
Julia Reimer
People & Culture, Tech Company
“Employee education is our biggest bottleneck. A tool that prepares workers and hands us clean case files would streamline everything. We’re very interested in a first pilot.”
Markus Lindner
bAV Partnerships, Insurance Group
“Most of our time is spent on basics, not on advice. If Bavio handles education and data capture, our advisors could triple their capacity. We’d gladly pilot this with clients.”
Tobias Hahn
Partner, bAV Brokerage Firm
pricing
Flexible plans for brokers, insurers, and banks
Bavio Starter
Free
For partners exploring digital pre-advice.
Access to Bavio’s employee advisor
Standard pension education
Pilot-ready
Standard case file export
Email support
Annually
Annually
Monthly
Monthly
Bavio Partner Pro
Save 20%
Usage-based
$87/mo
For partners who want scalable consultation at large volumes.
Everything in Starter
Advanced simulations
Advisor handover
payroll integrations
Priority support
Bavio Enterprise
Custom
For partners who want full distribution enablement.
Everything in Partner Pro
Custom pension rules
White-label version
Compliance customization
Large-scale rollout support
Bavio Starter
Free
For partners exploring digital pre-advice.
Access to Bavio’s employee advisor
Standard pension education
Pilot-ready
Standard case file export
Email support
Annually
Annually
Monthly
Monthly
Bavio Partner Pro
Save 20%
Usage-based
$87/mo
For partners who want scalable consultation at large volumes.
Everything in Starter
Advanced simulations
Advisor handover
payroll integrations
Priority support
Bavio Enterprise
Custom
For partners who want full distribution enablement.
Everything in Partner Pro
Custom pension rules
White-label version
Compliance customization
Large-scale rollout support
Built by a AAA founding team with deep operator experience from Europe’s fastest-growing fintechs and global powerhouses like
pricing
Flexible plans for brokers, insurers, and banks
Bavio Starter
Free
For partners exploring digital pre-advice.
Access to Bavio’s employee advisor
Standard pension education
Pilot-ready
Standard case file export
Email support
Annually
Annually
Monthly
Monthly
Bavio Partner Pro
Save 20%
Usage-based
$87/mo
For partners who want scalable consultation at large volumes.
Everything in Starter
Advanced simulations
Advisor handover
payroll integrations
Priority support
Bavio Enterprise
Custom
For partners who want full distribution enablement.
Everything in Partner Pro
Custom pension rules
White-label version
Compliance customization
Large-scale rollout support
Built by a AAA founding team with deep operator experience from Europe’s fastest-growing fintechs and global powerhouses like
blog
Ideas to level-up your employee benefits
Community
Stay in the loop
Community
Stay in the loop
