Finances: Women feel more financially insecure, according to survey

More worries, less leeway: the genders differ when it comes to money. According to a survey, women view their financial future differently than men.

Berlin. According to a survey, women are more likely than men to feel uncertain about their financial security in old age. 47 percent of women are very or very worried about their retirement planning. For men it is 35 percent. This emerges from a representative online survey commissioned by the independent money guide Finanztip.

But not only are they worried about the future, many women also lack the financial flexibility to make more provisions. Almost 45 percent cite a lack of money as the biggest hurdle. After regular expenses, a good one in four women (26 percent) have less than 50 euros left each month or nothing at all to save, invest or put aside.

Among men, 36 percent say they are currently unable to do more for their future because they have too little financial flexibility. 17 percent have less than 50 euros left per month or nothing at all to save.

Rising cost of living

Women cite rising costs of living (51 percent), low income (36 percent) and debts and loans (22 percent) as the most important factors for their financial situation. Working hours also have an impact: 15 percent of women see part-time or reduced working hours as an influencing factor. For men it is 7 percent.

Insecurity is particularly great among young women: Only 37 percent of 18 to 29 year olds feel safe when it comes to personal finances - for men of the same age it is 55 percent.

More orientation for women

What would help women take the next step in their financial future is, above all, more financial flexibility. 37 percent say this. One in five would like understandable explanations (20 percent), 17 percent would like simple step-by-step instructions.

"Women don't need other financial products. But they want understandable guidance that takes their own life situation into account - such as parental leave, part-time work or their own retirement provision," says the managing director of Finanztip, Mirjam Mohr.

For the representative survey, the market research institute Innofact surveyed a total of 3,049 people aged 18 to 74 on behalf of Finanztip between July 16 and 31, 2026, including 2,000 women and 1,049 men.