Calculators

Start with the question, not the spreadsheet

What a portfolio can pay out and what German tax takes from each sale, what changes when a pension starts later, and what an unlucky first decade does to the same plan. The statutory calculators for pay, benefits and property are here too. Every page opens on a worked example and lets you change the assumptions.

See everything at a glance 28

Build wealth

Financial freedom

German rules

Understand risk

Compare decisions

Calculate a legal amount

What do the rules say I get, or what do they take?

German statute, for the cases each page states it supports. An unsupported case is refused rather than approximated, and the responsible authority stays the authority.

German rules · Income tax What is my effective German income tax rate? The basic allowance, the rate on the whole income and the rate on the next euro. Open German rules · State pension What could my German state pension pay? Turn Entgeltpunkte into a supported gross or net scenario, with pension type and start date visible. Open German rules · Every step, worked How is my payslip actually worked out? The whole gross-to-net calculation, step by step, with the law behind each one. Open German rules · Inheriting What would the tax office take from an inheritance? The allowance for your relationship, the band, and the hardship rule. Open German rules · The January charge What will the Vorabpauschale cost me? The advance lump-sum tax on an accumulating fund, cap by cap. Open German rules · Elterngeld Basiselterngeld or ElterngeldPlus – which should we take? Your own salary under both sets of rules, and the gap between them. Open German rules · Gross to net Where does my salary actually go? One month, every deduction drawn at its real size, and what each buys. Open

Compare choices

Which of two ways with my money comes out ahead?

Both paths priced from the same cash over the same horizon. No winner is named while one side is funded by money the other never had.

Compare decisions · Mortgage or market Should spare money go into the mortgage or into the market? For an owner-occupied home, compare contractual interest avoided with an uncertain taxed return. Open German rules · Rent or buy Would buying leave me better off than renting? Two households over the same years, with the deposit invested on the renter's side. Open German rules · Letting it out What could a flat yield after financing, costs and tax assumptions? Gross and net yield, monthly cash flow, reserves, sale costs and potential tax effects. Open German rules · Buying a home What would a house cost me every month, and for how long? Purchase costs by state, the payment, and what is left when the fixed rate ends. Open Compare decisions · ETF or property What could the same equity and monthly budget become? Compare liquid assets, property equity, debt, costs and cash shortfalls. Open

Model a scenario

What could this plan do over the years ahead?

Projections under assumptions you choose, and the history markets actually delivered. Neither is a forecast.

Build wealth · Budget and emergency reserve How much can I safely set aside each month? Include annual bills, debt payments and an emergency reserve before planning investments. Open Build wealth · Repay consumer debt When will this debt be repaid? A monthly repayment schedule with interest, extra payments and a clear debt-free horizon. Open Build wealth · Short-term cash saving Will my cash savings cover this purchase? Compare a cash savings plan with the future cost of a short-term goal, including assumed tax and inflation. Open Build wealth · Savings target How much must I invest each month to reach €1 million? See the required monthly amount and the purchasing power of the result. Open Build wealth · Monthly saving What could €500 a month become in 30 years? Start with a complete example, including inflation, tax and a weak market. Open Build wealth · Lump sum What could a one-off €10,000 investment become? See how time, returns and inflation change one amount invested today. Open Financial freedom · Retirement age What could fund my first retirement withdrawal at 60? Work backwards from an age and a desired first monthly withdrawal. Open Financial freedom · FIRE target When could my portfolio make work optional? Calculate the target, time to FIRE and saving needed by a chosen date. Open Financial freedom · Barista FIRE What if ongoing income covers part of my spending? See how reliable part-time income reduces the portfolio target. Open Financial freedom · Withdrawal scenarios What could my portfolio pay at different rates? Compare first-year income, estimated gain tax and pension income. Open Financial freedom · Income target What portfolio supports a first €2,000 monthly withdrawal? Translate a first-payment target into a portfolio goal, then test whether it lasts. Open Financial freedom · Withdrawal rate How does the four-percent rule change after German tax? See the rule, its assumptions and the estimated spendable amount. Open Understand risk · Bad timing Could early market losses derail my retirement? Move the same crash across one retirement to isolate timing risk. Open Understand risk · Historical ranges How wide were past drawdowns and rolling returns? Inspect an EUR-adjusted series with dates and only supported periods. Open Compare decisions · Portfolio mix Full simulator How could a portfolio of several assets develop? Build a tax-aware portfolio with explicit asset categories, return sources and rebalancing assumptions. Open in the simulator Compare decisions · Cash and inflation What is €50,000 of zero-interest cash worth in 20 years? See purchasing power under an explicit inflation assumption, then add your actual interest and tax. Open