Free tools
Financial calculators for internationals in Germany
Plan your investments, optimize your taxes, and build wealth with tools built for internationals. No signup required.
22 free calculators · No signup · Updated for 2026
Real Estate
7Real Estate
Rental Property Calculator
Simulate real estate returns with a real Frankfurt apartment. See tax savings, cashflow, and total return.
Open calculator
Real Estate
Rent vs Buy Calculator
Compare the financial outcome of renting vs buying a home in Germany
Open calculator
Real Estate
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
Open calculator
Real Estate
Property vs ETFs
ETFs are cheap and liquid, but you can't borrow 80% to buy them. See how leverage changes the comparison.
Open calculator
Real Estate
Property vs Pension
See your pension gap and where leveraged property fits as a pillar alongside Germany's Rente and private products.
Open calculator
Real Estate
Property vs Savings
Cash feels safe, but inflation erodes it every year. Compare 20 years of savings against leveraged property.
Open calculator
Real Estate
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.
Open calculator
Investment
2Tax Planning
3Tax Planning
German Income Tax Calculator
Calculate your German income tax liability using official tax brackets
Open calculator
Tax Planning
Foreign Income Tax Impact Calculator
See how income earned outside Germany affects your German tax rate through Progressionsvorbehalt
Open calculator
Tax Planning
Exit Tax Calculator
Estimate what it could cost to leave Germany — covers company shares, ETFs, and the new 2025 fund exit tax rule
Open calculator
Career
2Planning
5Planning
Emergency Fund Calculator
Determine the right size for your emergency fund
Open calculator
Planning
Financial Freedom Calculator
Determine exactly how much you need for complete financial independence
Open calculator
Planning
Mortgage vs Investment Calculator
Should you pay off your mortgage early or invest the money? Compare strategies with detailed analysis
Open calculator
Planning
Loan vs ETF Sale Calculator
Funding a major purchase? Compare selling ETFs versus borrowing, with German tax and Annuitätendarlehen modeling
Open calculator
Planning
Time Value Calculator
Calculate how inflation affects the purchasing power of your money over time
Open calculator
Retirement
1Insurance
2Insurance
GKV vs PKV Calculator
Compare public and private health insurance monthly costs, employer contributions, and eligibility in Germany
Open calculator
Insurance
GKV vs PKV Lifetime Cost Calculator
Compare the real after-tax lifetime cost of GKV vs PKV — from today through retirement to age 87, with tax deductibility and pension subsidies
Open calculator
Ready to invest in German property?
The calculators show you the numbers. When you're ready for the real thing, book a free call. We'll show you how Financemate works, and the off-market property our property partner sources for you.
Book a free callThese calculators provide educational estimates based on simplified assumptions and should not be considered 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.