Whether expenses decrease after retirement cannot be answered in a general way, as it depends on your requirements. Some want to take advantage of their new-found freedom and travel extensively, others enjoy their time at home and thus more cheaply. Health and care costs are another important factor: Even if they are not too high at the beginning of retirement thanks to good health, they must be expected to rise sharply over time. The housing situation, family circumstances and planned inheritances must also be taken into account when calculating financial needs after retirement.