Topics / Saving, loans & retirement
🐷 Saving, loans & retirement: money calculators
Planning your money takes three things: an overview of income and spending, realistic numbers for interest and inflation, and a look at retirement. These calculators run entirely in your browser. Start with the 50-30-20 budget, then see what a savings account or savings plan adds up to over the years.
Calculators & tools
50-30-20 budget calculatorFree 50-30-20 budget calculator: enter your monthly net income and expenses. See how much should go to needs (50 %), wants (30 %) and …Tagesgeld calculator: interest after taxCalculate interest on a German Tagesgeld or Festgeld account: amount, rate, months, monthly savings and how often interest is credited – …Compound interest & savings calculatorFree compound interest calculator: starting amount, monthly savings, interest rate and years. See final balance, total deposits and …Savings plan calculator (ETF)Calculate how a monthly savings plan grows: start capital, monthly rate, duration, expected return and annual increase – with deposits, …Inflation calculator: purchasing power then and nowCalculate what an amount from a past year is worth today, or the cumulative inflation between two years – with the German consumer price …Loan calculator: monthly payment & scheduleFree loan calculator: monthly payment for any loan amount, interest rate and term, total interest and cost, plus a yearly amortization …Instalment & 0% financing calculatorCalculate instalment purchases and 0% financing: monthly rate, total interest and fees, plus the hidden cost when you lose a cash discount. …Frühstartrente calculator: state €10 vs ETF depotFree Frühstartrente calculator: see what the €10 monthly state contribution (age 6–18) grows to by 65 and compare your own top-ups with an …Pension gap calculator (Rentenlücke)Calculate your pension gap: desired retirement income vs. expected net state pension, adjusted for inflation – plus the capital you need …Retirement age calculator (Germany)Calculate your German retirement date from your date of birth: standard retirement age (Regelaltersgrenze), early retirement for long-term …Pension net calculator 2026 (Rente netto)Calculate your net statutory pension in Germany for 2026: health insurance (7.3% + half the additional rate), care insurance 3.6% (4.2% …Capital gains tax calculator (Abgeltungsteuer)Calculate German capital gains tax (Abgeltungsteuer) on interest, dividends and gains from shares or ETFs: 25 % plus solidarity surcharge …Crypto tax calculator 2026 (Germany)Calculate German tax on crypto gains 2026: sales within one year are taxed at your personal rate, the €1,000 exemption limit (Freigrenze) …German inheritance & gift tax calculatorCalculate German inheritance and gift tax (Erbschaftsteuer/Schenkungsteuer): tax class, personal allowance, pension allowance, household …Real discount checkerCheck if a Black Friday or Cyber Monday deal is really a bargain: enter the sale price, the crossed-out price and the lowest price of the …Vorabpauschale calculator 2026Calculate the German Vorabpauschale for 2026 (deducted in January 2027): base rate 3.20 %, 70 % factor, cap at the actual gain, 1/12 …Gift tax calculator with 10-year plannerCalculate German gift tax (Schenkungsteuer) 2026 including earlier gifts from the same donor within 10 years (§ 14 ErbStG): allowance used, …Cash discount calculator (Skonto)Free Skonto calculator: invoice amount, discount %, discount period and payment term – get the discount, the amount to pay, the VAT effect …Late payment interest calculator (§ 288 BGB)Calculate German statutory default interest (Verzugszinsen) per § 288 BGB: base rate (1.52 % from 1 Jul 2026) + 5 percentage points for …Markup & margin calculatorFree markup and margin calculator for retail and trade: from purchase price and markup, target margin or selling price get the net and …Break-even & contribution margin calculatorFree break-even calculator: fixed costs, price and variable cost per unit – contribution margin, break-even quantity and revenue, safety …Food cost & menu price calculatorFree food cost calculator for restaurants in Germany: from ingredient cost and target food cost percentage get the net and gross menu price …Loading metre calculator (LDM)Free loading metre calculator: number of pallets or custom goods, length × width ÷ 2.4 m, stackable or not – loading metres and the share …Volumetric weight calculatorFree volumetric weight calculator: length × width × height in cm divided by 5,000 (parcel/express) or 6,000 (air freight) – compared with …Blood alcohol calculator (‰)Estimate blood alcohol in per mille (‰) with the Widmark formula: drinks, body weight, sex and time since the first drink – plus when you …Split costs: who owes whom?Free split-the-bill calculator for holidays, flat-shares and group events: enter who paid what, get each person's share and the minimum …Unit price comparison: which pack is cheaper?Free unit price calculator: compare up to three products or pack sizes by price per kilogram, litre, 100 g or piece and see which is …Withdrawal plan: how long will my money last?Free withdrawal plan calculator (Entnahmeplan): see how long your capital lasts with a monthly payout and an expected return, or how much …Leasing factor calculatorFree leasing factor calculator: compare car lease offers by leasing factor (monthly rate ÷ list price × 100), total leasing cost and …
Guides
Year-end checklist 2026: 8 money deadlines in Germany before 31 DecemberCar insurance by 30 Nov, tax return 2022 by 31 Dec, donations, tradesmen invoices, savers' allowance, leftover vacation, health insurance …What changes in 2027: minimum wage, Minijob, Deutschlandticket & moreThe most important changes for employees, consumers and small businesses in Germany in 2027 – minimum wage, Minijob limit, …Klarna, PayPal & co.: new buy-now-pay-later rules from 20 November 2026What changes in Germany from 20 November 2026 for buy now pay later, instalment purchases and small loans – and how to check what a 0% …