Financial calculators for your biggest questions

Financial Independence Calculator

How much capital do you need for financial freedom — and when do you reach it?

Withdrawal Calculator

How long does your capital last with a monthly withdrawal?

Retirement Portfolio Calculator

Is your portfolio enough for retirement — and where's the gap?

Frühstart-Rente Calculator

How much will Germany's Frühstart-Rente for children grow to by retirement?

Pension Gap Calculator

How big is your pension gap — and what helps close it?

ETF Savings Plan Calculator

How much wealth do you build with an ETF savings plan and monthly contribution?

Compound Interest Calculator

How much does a lump-sum investment grow through compound interest?

Inflation Calculator

What is your money still worth — using real German consumer prices since 1991.

Repay or Invest?

Overpay the mortgage or invest? Both paths run to the same date.

Lump Sum or Staggered?

Invest it all at once or spread it over months — which would have won?

XIRR calculator

Your true money-weighted portfolio return from dated cash flows.

TTWROR calculator

Your time-weighted return — and the gap to the naive number in your broker app.

Dividend Calculator

How much net dividend does your portfolio pay — and when do you reach your target income?

Capital Gains Tax Calculator

How much German capital gains tax, solidarity surcharge and church tax is left of your profit?

Vorabpauschale Calculator

What will your broker withhold in January for your accumulating ETF?

Tax Allowance Split Calculator

How do you split the €1,000 Sparer-Pauschbetrag across your banks?

ETF Rebalancing Calculator

Which ETF buys/sells bring your portfolio back to its target allocation?

Model Portfolios

Compare 4 model portfolios with different equity/bond weightings.

ETF Cost Calculator

What does your ETF's ongoing charge really cost you?