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Nine calculators, no sign-up

All built on the official 2026 figures — tax rates, contribution ceilings, transfer tax by state. No email, no sales call unless you ask for one.

Buying and financing

Budget calculatorHow much property can I afford?Your income and savings against a realistic price, with the purchase costs of your state taken off.Open the calculator →Rent vs buy calculatorRent or buy? The break-even yearFollows both households year by year and shows when the owner's net worth overtakes the renter's.Open the calculator →Self-employed calculatorWhat can I borrow when self-employed?Based on declared profit across several years, after tax and the health premium you carry alone.Open the calculator →Refinancing calculatorMy fixed rate is ending — what now?The balance left, what the offers cost, and whether the ten-year termination right applies.Open the calculator →Rental calculatorDoes a rental property actually pay?Cash flow before and after tax, with an adjustable depreciation rate and the 15 % renovation trap.Open the calculator →

Income and taxes

Salary calculatorWhat is left of my salary?Gross to net with every payslip line explained — tax class, church tax, and all four social contributions.Open the calculator →

Cover and retirement

Pension calculatorWill my German pension be enough?What the state will actually pay, the gap against what you want, and what closing it costs.Open the calculator →Company pension calculatorWhat does a company pension really cost?Converting €200 of gross salary does not cost €200. Here is the net figure.Open the calculator →Health calculatorPublic or private health insurance?What GKV and PKV would each cost you per month — and whether you may switch at all.Open the calculator →