Free Tools
Financial Calculators for Germany
Plan your investments, optimize your taxes, and build wealth with tools built for internationals. No signup required.
19 free calculators · No signup required · Updated for 2026
ETF Investment Calculator
See how regular ETF investments could grow over time with compound interest
ETF Allocation Mix Calculator
Find your optimal stock/bond portfolio mix based on 120+ years of market data
German Income Tax Calculator
Calculate your German income tax liability using official tax brackets
Foreign Income Tax Impact Calculator
See how income earned outside Germany affects your German tax rate through Progressionsvorbehalt
Exit Tax Calculator
Estimate what it could cost to leave Germany — covers company shares, ETFs, and the new 2025 fund exit tax rule
Rent vs Buy Calculator
Compare the financial outcome of renting vs buying a home in Germany
Own Home vs Investment Property
Compare buying a home to live in vs. renting and investing in property — see the tax difference in year one
Property Investment Simulator
Simulate real estate returns with a real Frankfurt apartment. See tax savings, cashflow, and total return.
Berlin Rent Cap Check (Mietpreisbremse)
Check your Berlin starting rent against the Mietpreisbremse (§§ 556d–556g BGB). Test the four statutory exceptions and generate a § 556g Abs. 1a Auskunft.
Financial Freedom Calculator
Determine exactly how much you need for complete financial independence
Mortgage vs Investment Calculator
Should you pay off your mortgage early or invest the money? Compare strategies with detailed analysis
Loan vs ETF Sale Calculator
Funding a major purchase? Compare selling ETFs versus borrowing, with German tax and Annuitätendarlehen modeling
Time Value Calculator
Calculate how inflation affects the purchasing power of your money over time
GKV vs PKV Calculator
Compare public and private health insurance monthly costs, employer contributions, and eligibility in Germany
Ready for Comprehensive Financial Planning?
While calculators are great for initial planning, nothing beats personalized advice from qualified financial advisors who understand the German market.
These calculators provide educational estimates based on simplified assumptions and should not be considered as financial advice. Actual results may vary significantly due to market conditions, tax changes, inflation, and personal circumstances. Always consult with qualified financial advisors before making investment decisions or major financial commitments.