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Finance tips, explanations and guides for our calculators.
Child Support Calculator Germany 2025: Düsseldorfer Tabelle Explained
How to calculate child support in Germany 2025: Düsseldorfer Tabelle income brackets, Kindergeld deduction and Selbstbehalt self-maintenance check explained. With free calculator and worked examples.
Retirement PlanningRiester Pension in Germany 2026: Calculate Subsidies, Contributions & Retirement Benefit
Basic allowance €175, child allowance up to €300 per child, minimum contribution rules and special expense deduction up to €2,100 explained. With free calculator and worked examples.
Income TaxSeverance Pay Tax in Germany 2026: How the Fünftelregelung Works
How much of your German severance pay do you keep after tax? The Fünftelregelung (§34 EStG) explained with worked examples, tax class tables, and a free severance calculator.
InvestingDividend Calculator Guide: Dividend Yield, Strategy & Passive Income
Calculate dividend yield, understand yield on cost, and build passive income from dividends. With worked examples, tables, and a free dividend calculator.
Real Estate & CostsNotary Fees in Germany 2026: What Does a Notary Cost When Buying Property?
Notarization fee, processing fee, land registry costs under GNotKG explained with examples. Free notary fee calculator for Germany.
Housing & Social BenefitsGerman Housing Allowance (Wohngeld) 2026 — Eligibility, Formula & Application
Who qualifies for Wohngeld? Mietstufen explained, the WoGG formula, income limits and a step-by-step application guide. Free calculator.
Income TaxGerman Income Tax Explained — How to Calculate Your Tax (§32a EStG 2026)
Tax brackets, tax classes, solidarity surcharge and church tax explained with examples. Free income tax calculator for Germany.
Real Estate & TaxReal Estate Transfer Tax in Germany: Rates by State 2026 (Grunderwerbsteuer)
All 16 German state rates compared: from 3.5% in Bavaria to 6.5% in NRW. With examples, exemptions and a free calculator.
Inheritance & TaxGerman Inheritance Tax: Exemptions, Tax Classes and How to Calculate
Calculate German inheritance tax (Erbschaftsteuer). Exemptions, tax classes I to III and rates by relationship. With examples and free calculator.
Taxes & PricesVAT Calculator: How to Calculate Net and Gross Prices
Convert net to gross and gross to net prices. Understand 19% and 7% German VAT rates with formulas, examples and a free calculator.
Family & BenefitsGerman Parental Allowance Calculator 2026: Elterngeld Explained
Calculate Basiselterngeld, ElterngeldPlus, siblings bonus and multiple birth bonus. With optimization strategies.
Salary & TaxesCalculate Your Hourly Wage: What You Really Earn
Calculate your hourly wage from annual salary or convert hourly rate to yearly income. With formula, worked examples and free calculator.
Salary & TaxesGerman Salary Calculator 2026: Net Pay, Taxes & Employer Costs
Calculate your net salary with tax class, church tax, public/private health insurance and full employer cost breakdown.
Salary & TaxesGross-to-Net Salary Calculator: Understanding Your German Payslip 2026
What stays from your gross salary? Tax classes, social security, income tax and church tax explained — with a worked example and free calculator.
InvestingInvestment Return Calculator — How to Compare Returns the Right Way
Nominal vs. real, CAGR vs. simple return, gross vs. net. With examples for ETFs, savings accounts and real estate.
Financial FreedomCoast FIRE: Financial Freedom Without Saving More
What Coast FIRE is, how the formula works, who it's for, and how to calculate your personal Coast FIRE number.
Retirement PlanningRetirement Gap Calculator: How to Close the Gap Between Your Pension and Desired Income
What the retirement gap is, how to calculate it, and which strategies help you close the gap. With worked example and free calculator.
BasicsRule of 72: When Will Your Money Double?
The Rule of 72 explained: find out in seconds how long it takes your money to double. With examples for ETFs, savings accounts and inflation.
InvestingSavings Account Comparison 2026: Best Accounts at a Glance
The best savings accounts in Germany 2026 compared: interest rates, deposit protection and calculator. Find the best account for your money.
InvestingHow to Calculate Compound Interest — Formula, Examples & Calculator
Learn how to calculate compound interest step by step. Includes the formula, worked examples, the Rule of 72, and a free online calculator.
InvestingHow to Create a Savings Plan — ETF Savings Plan Guide in 5 Steps
Learn how to create an ETF savings plan from scratch. Covers cost averaging, realistic returns, and a step-by-step setup guide.
Financial FreedomFinancial Independence Calculator — Calculate Your FIRE Number with the 4% Rule
Use our FIRE calculator to find your financial independence number. Learn the 4% rule, savings rate impact, and Coast FIRE.
Financial PlanningEmergency Fund Calculator: How Much Do You Really Need?
How many months of expenses to save, which rules of thumb apply, and how to calculate your personal emergency fund.
LoansLoan Amortization Schedule: Pay Off Your Loan Faster
How amortizing loans work, why extra payments save thousands in interest, and how to pay off your loan faster.
BasicsUnderstanding Inflation: How Your Money Loses Value
What inflation is, how it's measured, why it erodes your savings, and how to protect your wealth with the right investments.
Real EstateBuy or Rent 2026: What Really Pays Off?
Current figures, an honest cost comparison and the most common misconceptions around the buy-or-rent decision in Germany.
InvestingETF Savings Plan Calculator: What Will 100 € per Month Get You?
How much wealth can 100 € per month generate after 10, 20 or 30 years? With worked examples, tables and a savings plan calculator.
Financial FreedomFIRE Movement: How to Become Financially Independent
What the FIRE movement is, how the 4% rule works and how to calculate your personal FIRE number.
BasicsCompound Interest Explained
What compound interest is, how the formula works and why it turns small amounts into substantial wealth.
LoansLoan Calculator: How to Calculate Your Monthly Payment
How a loan calculator works, the amortization formula explained, and practical tips on interest rates, extra payments, and total cost comparison.
BasicsPercentage Calculator Guide — Base Value, Percentage, and Percent Change
Percentage calculations explained: base value, percentage, percent value. How to calculate percent change, discounts, sales tax and tips.
Real EstateRental Yield Calculator — Is Your Property a Good Investment?
Gross vs. net rental yield, closing costs, maintenance, and vacancy. With examples and a free rental yield calculator.
InvestingMonte Carlo Simulation for Investing — Calculate Return Scenarios
Monte Carlo simulation explained: probabilities instead of predictions for ETF portfolios and retirement withdrawal strategies.
Decisions & CostsOpportunity Cost Calculator — What Every Decision Really Costs You
What opportunity costs are, how to calculate them, and why they matter for education vs. work, renting vs. buying, and saving vs. investing.
Financial PlanningLifestyle Inflation — How to Avoid It and Grow Your Wealth
Why raises often disappear, how to protect your savings rate, and strategies to grow your wealth instead of your spending.