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Calculators

Free financial calculators

22 calculators for life's big money questions: saving, work, home, car, family and retirement. No sign-up, results as you type, and your numbers never leave your browser.

Saving & investing

Income & work

Home

Car

Family & debt

Financial independence & retirement

One household, many questions

Lena and Jonas, 34, in Berlin.

Every calculator above starts with their example. Together they show what a life looks like in numbers, one question at a time.

  1. Today

    What actually lands in the account?

    From €4,000.00 gross you take home €2,605.50 a month.

    Try it with your numbers: German salary calculator (gross to net)

  2. Today

    They save 1,250 a month. Where does that lead?

    Your savings grow to €817,658 in 21 years.

    Try it with your numbers: Compound interest calculator

  3. Today

    And after fund costs and German tax?

    After costs and tax you keep €715,563 after 21 years.

    Try it with your numbers: ETF savings plan calculator

  4. Soon

    The old car is dying. Electric or petrol?

    With the EV you pay €27 a month less than with the petrol car – invested until 67, that's €21,000 in today's money.

    Try it with your numbers: Car cost comparison

  5. 2029

    A flat comes up for sale. Buy, or keep renting?

    After 30 years, buying is ahead by €38,500.

    Try it with your numbers: Rent vs buy calculator

  6. 2031

    A baby is on the way. Can they afford the leave?

    After 24 months, plan A (12+2) leaves €36,449, plan B (7+7) €35,128.

    Try it with your numbers: Parental leave & Elterngeld calculator

  7. After that

    Jonas wants to work four days. What does it cost?

    Working 32 instead of 40 hours costs you €438.75 net a month – 55% of the gross cut.

    Try it with your numbers: Part-time & 4-day week calculator

  8. The big one

    When could work become optional?

    You can be financially independent at 62 and 6 months – 7 years 8 months earlier than without the pension counted.

    Try it with your numbers: FIRE calculator

  9. Halfway

    When could they stop saving for retirement?

    You can stop saving for retirement at 52 and 5 months. From then, €450,004 grows to €788,571 by 67 on its own.

    Try it with your numbers: Coast FIRE & Barista FIRE calculator

  10. Or earlier?

    And if they still want to stop at 55?

    Your money covers the 12 years until the pension, with €54,139 left.

    Try it with your numbers: Retirement bridge calculator

  11. At 67

    What will the state pension pay, after tax?

    Your pension gap is €752 a month in today's money.

    Try it with your numbers: German pension gap calculator

  12. After that

    How long does the rest last?

    Your money lasts 27 years, until you are 87.

    Try it with your numbers: How long will my money last?

Every answer changes the others.

  • The car changes what they save each month, which moves the date they could stop working.
  • The flat changes their costs for decades: higher at first, lower once the loan is gone.
  • The baby and four-day weeks mean fewer pension points, which widens the gap at 67.
  • Stopping earlier makes the bridge longer and leaves less for the years after.

A calculator answers one question while everything else stands still. Zenarios works it all out together, month by month, with taxes, pensions and the decisions still to come.

Work out the whole plan What Zenarios does