Free Financial Calculators
Calculate interest returns, savings results and capital growth — free and without registration.
Saving & Investing
Compound Interest Calculator
How much will your money grow? Calculate your returns with savings rate and compound interest.
Savings Plan Calculator
How much wealth will you build? Calculate your result with regular contributions.
ROI Calculator
How well did your investment perform? Calculate total and annual return.
Rule of 72 Calculator
When will your money double? The Rule of 72 gives you the answer in seconds.
Withdrawal Plan Simulation
Will your money last in retirement? Simulate thousands of market outcomes with withdrawals and inflation.
Dividend Calculator
How much dividend does your portfolio generate? Calculate payouts, dividend growth and yield on cost.
Savings Account Comparison
The best savings accounts in 2026 at a glance — by interest rate, returns and deposit protection.
Loans & Property
Loan Calculator
What does your loan really cost? Monthly payment, total cost and interest at a glance.
Mortgage Calculator
When will you be debt-free? Enter your rate and repayment — see the result instantly.
Car Loan Calculator
What does your car loan really cost? Calculate monthly payment, interest cost and balloon payment for 12–96 months.
Rental Yield Calculator
Is your property worth it? Calculate gross and net yield including all costs.
Home Loan Calculator
What does your mortgage cost? Calculate monthly payment, remaining debt, and total interest.
Buy vs Rent Calculator
What makes more sense? Compare costs and wealth over the years.
Notary Fee Calculator
Calculate German notary and land registry fees for property purchases under GNotKG — instant and free.
Additional Purchase Costs Calculator
Calculate German real estate purchase fees — transfer tax, notary and broker commission. Free, no signup.
Equity Ratio Calculator
How much equity do you need for a German real estate purchase? Calculate equity ratio, LTV and the gap to your target ratio — free.
Realtor Fee Calculator
Calculate the German realtor (Makler) commission on a property purchase — with buyer/seller split under BGB §656c and default rates by federal state.
House Building Cost Calculator
Calculate the total cost of building a house in Germany — land, construction, ancillary costs and outdoor works in one step.
Prepayment Penalty Calculator
What does it cost to pay off your loan early? Calculate the prepayment penalty using Germany's BGH active-passive method.
Housing Allowance Calculator
Estimate your German Wohngeld entitlement under WoGG 2023 — free, no sign-up required.
Rent Increase Calculator (Germany)
How much can my landlord raise the rent? Calculate the German rent cap (Kappungsgrenze 20 % / 15 %), local reference rent and modernisation surcharge under §§ 558, 559 BGB.
Financial Planning
FIRE Calculator
When can you stop working? Calculate how much wealth you need.
Coast FIRE Calculator
Can you stop saving? Find out if compound interest alone will reach your retirement goal.
Emergency Fund Calculator
How much safety net do you need? Calculate your cushion based on your expenses.
Lifestyle Inflation Calculator
What does your pay rise really cost? Calculate the wealth you miss out on.
Retirement Gap Calculator
Will your pension be enough? Calculate the gap between desired income and state pension.
Retirement Provision Calculator
How will you close your retirement gap? Compare GRV, Riester, Rürup, bAV and ETF — with optimal mix and tax savings.
Parental Allowance Calculator
How much Elterngeld will you receive? Calculate basic and plus allowance, siblings bonus and multiple birth bonus.
Maternity Protection Calculator
Calculate the German maternity protection period, maternity allowance and employer subsidy under MuSchG.
Riester Pension Calculator
Calculate your Riester subsidies: basic allowance, child allowance, minimum contribution, and projected retirement capital.
Rürup Pension Calculator
Calculate capital, tax savings and net pension for your Rürup (basis pension) — including deferred taxation and comparison without Rürup.
Early Retirement Calculator
How much will early retirement cost you? Calculate the deductions, reduced pension and compensation payment.
Pension Points Calculator
How many Entgeltpunkte do you collect? Project your German statutory pension under §63 SGB VI.
Company Pension Calculator
How much will your German company pension (bAV) pay? Calculate payout, tax and social-security savings from salary deferral.
Widow's Pension Calculator
How much is the German survivor's pension? Calculate the large/small Witwenrente, income deduction and duration.
Basic Pension Supplement Calculator
Are you eligible for the German Grundrente supplement? Calculate bonus pension points, the monthly top-up and eligibility.
German Disability Pension Calculator
How much is the German Erwerbsminderungsrente? Calculate full/partial disability pension, credit period, deductions and earnings limit.
Child Support Calculator
Calculate child support under Germany's Düsseldorfer Tabelle 2025 — incl. Kindergeld deduction and self-maintenance check.
Citizens Income Calculator
Calculate your German Bürgergeld (Citizens Income) entitlement 2026 — standard rates, housing costs, income exemptions and grace period rules.
Short-Time Work Calculator
How much short-time work benefit will you receive? Calculate Kurzarbeitergeld, net loss and employer top-up.
Unemployment Benefit Calculator
How much ALG I will you receive? Calculate your daily rate, monthly amount and maximum benefit duration.
Dental Insurance Calculator
Estimate monthly premium, reimbursement and waiting period for German private dental supplemental insurance.
Social Security Calculator
Calculate health, pension, unemployment and long-term-care contributions — employee and employer share.
Health Insurance Calculator
How much is your German statutory health insurance (GKV) contribution? Calculate employee, employer share and Zusatzbeitrag.
Private Health Insurance Calculator
How much does the German PKV cost? Calculate monthly premium, deductible, employer subsidy and premium refund.
Long-Term Care Insurance Calculator
How much is your German Pflegeversicherung contribution — and what benefits apply at each care level?
Disability Insurance Calculator
What does a German disability insurance (BU) cost? Calculate monthly premium, benefit, term and dynamic adjustment by age, occupation and desired BU pension.
Personal Liability Insurance Calculator
What does a German personal liability insurance (Privathaftpflicht) cost? Calculate the yearly premium by household type, coverage and deductible — single, family, single parent or senior.
Legal Protection Insurance Calculator
What does a German legal protection insurance (Rechtsschutz) cost? Calculate the yearly premium by coverage modules (private, employment, traffic, tenant/owner), household type and deductible.
Term Life Insurance Calculator
What does a German term life insurance (Risikolebensversicherung) cost? Calculate the monthly premium, insured sum and surplus participation by age, term, smoker status and tariff.
Accident Insurance Calculator
Estimate yearly premium, invalidity benefit and progression of German private accident insurance.
Building Insurance Calculator
Estimate yearly premium, rebuild value and natural-hazard cover of German residential building insurance.
Household Contents Insurance Calculator
Estimate yearly premium, sum insured and €/sqm of German Hausratversicherung — by living space, location and tariff.
Car Insurance Calculator
Estimate your German car insurance premium by SF-Klasse (no-claims discount), vehicle class, regional class and annual mileage. Compare liability, partial- and full-comprehensive cover.
Travel Insurance Calculator
Estimate premium, cancellation cover, travel-health cover and luggage cover for your next trip.
Tools
Inflation Calculator
What will your money be worth in 10 years? Calculate the purchasing power you lose to inflation.
Real Income Calculator
After inflation, is your pay rise still a pay rise? Calculate your real wage growth and how much purchasing power you actually gained or lost.
Percentage Calculator
Calculate percentages fast: percentage value, rate, or percentage change.
Opportunity Cost Calculator
What does a purchase really cost? Calculate the wealth you miss out on.
Gross-Net Calculator
How much of your salary do you keep? Calculate net pay, taxes and social security contributions.
Salary Calculator
What does your salary really cost? Calculate net pay, employer costs, tax class and all deductions.
Hourly Wage Calculator
What do you earn per hour? Convert your annual salary to an hourly rate — full-time, part-time or custom.
VAT Calculator
Convert net to gross or gross to net. With 19% or 7% VAT — instant and free.
Inheritance Tax Calculator
Calculate German inheritance tax (ErbStG). Tax-free allowances and tax rates by relationship to the deceased.
Real Estate Transfer Tax Calculator
Calculate German Grunderwerbsteuer by federal state. Tax rates from 3.5% to 6.5% — instant and free.
Income Tax Calculator
Calculate your German income tax 2026 under §32a EStG. Including tax class, solidarity surcharge and church tax.
Solidarity Surcharge Calculator
How much Soli do you owe in 2026? Calculate the German solidarity surcharge with allowance and transition zone (5.5 % of income tax).
Progression Clause Calculator
How much do German wage replacements (ALG, parental allowance) raise your tax bill? Calculate progression clause impact under §32b EStG.
Tax Prepayment Calculator
Calculate German quarterly income-tax prepayments — with Soli, church tax and wage-tax credit under §37 EStG.
Severance Pay Calculator
How much do you keep after tax? Calculate your net severance with Germany's Fünftelregelung §34 EStG.
Vehicle Tax Calculator
Calculate German vehicle tax (Kfz-Steuer) by engine size, fuel type and CO2 emissions. EV exemption included.
Commuter Allowance Calculator
How much tax do you save as a commuter? Calculate your German commuter tax deduction.
Distance Allowance Calculator
Calculate the German Entfernungspauschale 2026: €0.30/km up to 20 km, €0.38/km from km 21 — with mobility premium and tax savings.
Home Office Allowance Calculator
Calculate the German Home-Office-Pauschale 2026: €6 per day, capped at €1,260/year under §4 Abs. 5 Nr. 6c EStG — with tax savings by marginal rate.
Basic Tax Allowance Calculator
Calculate the German basic tax allowance (Grundfreibetrag) 2026: €12,096 single, €24,192 joint. With marginal and effective tax rate for your taxable income.
Income-Related Expenses Calculator
How much tax do you save with income-related expenses (Werbungskosten)? Calculate your §9 EStG deduction and savings beyond the €1,230 lump sum.
Property Tax Calculator
Calculate German Grundsteuer under the 2022+ federal model. Assessed value, tax base and annual tax in seconds.
Trade Tax Calculator
Calculate German Gewerbesteuer: tax base amount, municipal multiplier, exemption threshold and income tax credit for self-employed and GmbH.
German Corporate Tax Calculator
Calculate the German corporate tax burden of a GmbH: 15% KSt, 5.5% solidarity surcharge, trade tax (Gewerbesteuer) and 25% withholding on dividends.
Tax Class Calculator
Which German tax class combination is best for couples? Compare III/V, IV/IV and IV+factor — find the optimal split.
Wage Tax Calculator
How much wage tax, solidarity surcharge and church tax do you pay? Calculate monthly tax deductions by tax class.
Mini Job Calculator
All employer contributions and net income for the 538-euro mini job at a glance.
Capital Gains Tax Calculator
Calculate German Abgeltungssteuer, Soli and church tax on investment income — with savings allowance and favorable examination.
Church Tax Calculator
Calculate German Kirchensteuer 2026: 8% (Bavaria, BaWü) or 9% of income tax — by denomination and federal state.
Speculation Tax Calculator
Calculate German speculation tax 2026 (§23 EStG): property (10 years), crypto (1 year), €1,000 exemption threshold.
German Crypto Tax Calculator
Calculate German crypto tax 2026 under §23 EStG: FIFO method, 1-year holding period, €1,000 threshold.
Rental Income Tax Calculator
Calculate German tax on rental income — with depreciation (AfA), deductible expenses and loss offset.
Special Expenses Calculator
How much can you deduct as special expenses? Calculate pension contributions, donations, church tax and more under §10 EStG.
Craftsman Tax Deduction Calculator
Deduct 20 % of labor costs from your German income tax — up to €1,200/year under §35a EStG.
Household Services Tax Deduction Calculator
Deduct 20 % of labor costs from your German income tax — up to €4,000/year under §35a Abs. 2 EStG.
Sales Tax Calculator (Umsatzsteuer)
Calculate German Umsatzsteuer (VAT) from net or gross, plus input VAT and net liability for the USt-Voranmeldung — 7 % or 19 %.
Double Household Tax Deduction Calculator
Deduct second-home rent, weekly trips home and meal allowances under §9 EStG.
Moving Cost Calculator
Compare professional movers vs DIY — floor surcharges, packing, extras and the tax-deductible share.
Cash Discount Calculator
Is the early-payment discount worth it? Compute the discount amount, the net payment and the implied annual rate.
Default Interest Calculator
Calculate statutory default interest under § 288 German Civil Code (BGB) — base rate + 5 % for consumers, + 9 % for businesses.