Are these financial calculators free to use?
Yes. All tools on this page run in your browser and do not require an account.
Calculation Tools
Work through real scenarios—loans, savings, independence, inflation—with models that say what they assume. Runs locally in your browser; nothing to install.
Popular Tools
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Loan Payment
Calculate payment amount, total interest, payoff timing, and the effect of extra payments on a fixed-rate loan. Use term mode or German-style Tilgung (initial repayment %) to derive the annuity and Tilgungsplan. Compare two loan scenarios side by side.
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Financial Independence
Estimate when your portfolio could cover your living costs. Opens in escape velocity mode (live off dividends at ~4% yield); switch to safe withdrawal if you prefer the classic FI number. Track FI age, coast FI, and progress toward an inflation-adjusted goal.
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Compound Interest
Estimate how your money can grow over time with compounding, recurring contributions, optional tax drag, and side-by-side scenarios. Set principal, return, horizon, and compounding frequency to see projected future value.
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Savings Plan
Project the value of regular savings contributions with a fixed expected return. Set your starting balance, contribution schedule, annual return, time horizon, and optional yearly contribution increases.
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Inflation Impact
See how inflation can raise future costs and reduce purchasing power, then compare how investing may help preserve real value. You can model multiple expense lines side by side.
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Rent vs Buy
Compare renting and buying by projected net worth at your chosen horizon. Model mortgage costs, German transfer tax by Bundesland, optional Makler, Hessengeld in Hessen, maintenance, rent growth, and how invested unused cash may compound.
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Explore All Tools
Browse our complete collection of 12 financial calculators.
Investing & Growth
Compound Interest
Estimate how your money can grow over time with compounding, recurring contributions, optional tax drag, and side-by-side scenarios. Set principal, return, horizon, and compounding frequency to see projected future value.
#compound#interest#future value
Investing & Growth
Savings Plan
Project the value of regular savings contributions with a fixed expected return. Set your starting balance, contribution schedule, annual return, time horizon, and optional yearly contribution increases.
#monthly#contributions#compound
Planning & Retirement
Inflation Impact
See how inflation can raise future costs and reduce purchasing power, then compare how investing may help preserve real value. You can model multiple expense lines side by side.
#inflation#purchasing power
Planning & Retirement
Financial Independence
Estimate when your portfolio could cover your living costs. Opens in escape velocity mode (live off dividends at ~4% yield); switch to safe withdrawal if you prefer the classic FI number. Track FI age, coast FI, and progress toward an inflation-adjusted goal.
#fi#retirement#savings
Planning & Retirement
Withdrawal Plan
Stress-test how long a portfolio may last while you withdraw each year, with optional inflation adjustments. Compare fixed withdrawals with a percentage-of-starting-balance rule and estimate a sustainable rate.
#withdrawal#retirement
Investing & Growth
Rebalancing
Enter each holding’s current value and target weight to see dollar trades that bring the portfolio back in line. Optionally normalize targets to 100% when weights are slightly off.
#allocation#portfolio
Investing & Growth
Fee Impact
See how annual fees can reduce ending wealth versus the same return with no fees. Add ongoing contributions and compare several fee levels in one view.
#fees#expense ratio
Investing & Growth
Dividend Income
Project dividend income and portfolio value over time. Defaults to a 4% starting yield, with dividend growth, optional reinvestment, and optional price appreciation.
#dividend#income
Credit & Loans
Loan Payment
Calculate payment amount, total interest, payoff timing, and the effect of extra payments on a fixed-rate loan. Use term mode or German-style Tilgung (initial repayment %) to derive the annuity and Tilgungsplan. Compare two loan scenarios side by side.
#loan#payment#tilgung
Credit & Loans
Amortization Schedule
Build a full payment-by-payment amortization schedule (Tilgungsplan) for a fixed-rate loan. Enter term or German-style initial Tilgung plus interest to get principal/interest split, optional extra payments, yearly rollups, and remaining balance.
#amortization#loan#tilgung
Housing Decisions
Rent vs Buy
Compare renting and buying by projected net worth at your chosen horizon. Model mortgage costs, German transfer tax by Bundesland, optional Makler, Hessengeld in Hessen, maintenance, rent growth, and how invested unused cash may compound.
#housing#mortgage
Quick Utilities
Percentage & Discount
Everyday math in one place: percent change between two numbers, sale discounts, reverse-engineer pre-sale price from a discount, tips, and markup from cost to retail.
#percent#discount
Frequently asked questions
Are calculator results financial advice?
No. Outputs are assumption-based estimates for planning and education, not personal financial advice.
What should I check before relying on a result?
Review each tool's assumptions, adjust inputs to your own situation, and compare conservative and optimistic scenarios.