Calculators

Calculators for the numbers that matter: your standing, your rate, your growth, your target. Free, no sign-up, right in the browser.

Start hereLevels checkNine questions, three minutes, no sign-up: find out which of the seven levels of financial freedom you are on — and exactly what is missing for the next one.Calculate →
Level 1 · ClarityNet-worth calculatorCalculate your net worth from accounts, portfolio, property and valuables minus debt — the one number that shows where you honestly stand.Calculate →
Level 3 · Breathing roomSavings-rate calculatorCalculate your savings rate from income and expenses — and see how many years that rate puts between you and financial independence.Calculate →
Level 3 · Breathing roomFlex budget calculatorOne number instead of twenty pots: income minus fixed costs, reserve and savings — what remains is free without a guilty conscience. With a pace marker for the current month.Calculate →
Level 4 · StabilitySavings goal calculatorTwo questions, one calculator: when will you reach your savings goal at your current rate — and which rate do you need to get there by a certain date? With optional interest.Calculate →
Level 5 · FlexibilityCompound-interest calculatorSee how your money grows from an initial amount, monthly contributions, interest rate and time — including the split between contributions and interest.Calculate →
Level 6 · Financial independenceFIRE calculatorWork out your FIRE number and how many years separate you from financial freedom — with your savings rate, expected return and the German tax uplift.Calculate →
Level 6 · Financial independencePension gap calculatorYour pension gap from your Renteninformation: desired income minus statutory pension, projected to retirement with inflation — and the savings rate that closes it. No pension-level model.Calculate →