Lebensentscheidungen ·
What does your car cost your future net worth?
Follow the cash, the car's remaining value and the money left to invest through the same eight years.
Ratgeber lesenDie Zenarios-Ratgeber
Finanzplanung
für dein Leben.
Verstehe deine Prognose, plane den frühen Ruhestand und teste wichtige Lebensentscheidungen. Mit konkreten Beispielen, klaren Annahmen und den Grenzen der Werkzeuge.
Rechner ·
Can you retire before your pension starts?
Check the years between leaving work and receiving your pension, including when locked savings become available.
Rechner öffnenLebensentscheidungen ·
Can we afford a child—and parental leave?
Compare the costs of a new child with the income changes around leave, childcare and returning to work.
Ratgeber lesenRechner ·
Pay off your mortgage or invest the extra money?
Put the same extra money into two paths, and keep investing the freed payments once either mortgage is cleared.
Rechner öffnenLänderratgeber ·
FIRE in Deutschland: Steuern, Rente und Krankenversicherung
Plane die Zeit vor der gesetzlichen Rente und die Jahre danach getrennt. Ein Beispiel zeigt, welche Annahmen deine Rechnung tragen.
Ratgeber lesenGrundlagen ·
How to build a personal financial plan
Turn today's balances into a useful monthly forecast, then test the decisions ahead of you.
Ratgeber lesenFrüher Ruhestand ·
How much money do you need to retire early?
A FIRE number is a starting point. Taxes, accessible savings and the years before your pension matter too.
Ratgeber lesenFrüher Ruhestand ·
Coast FIRE vs Barista FIRE: can you work less sooner?
Two routes to less work, with different demands on your current income and invested savings.
Ratgeber lesenFrüher Ruhestand ·
What a Monte Carlo retirement simulation tells you
Read the range of outcomes, the first shortfall and the spending cuts behind a success percentage.
Ratgeber lesenLebensentscheidungen ·
Rent vs buy: compare the whole financial plan
A smaller mortgage payment does not settle the question. Compare the deposit, running costs and money left to invest.
Ratgeber lesenLebensentscheidungen ·
Can I afford to work part-time or take a sabbatical?
Test less work against your monthly cash cushion and long-term goals before deciding.
Ratgeber lesenGrundlagen ·
Inflation and retirement: what does your future money buy?
Make future balances comparable with today's spending, and keep return assumptions consistent.
Ratgeber lesenProdukt ·
Financial planning without bank access or an account
How local financial planning works, what Ask can answer, and why a backup matters.
Ratgeber lesenGrundlagen ·
Debt snowball vs avalanche: compare the payoff paths
Compare interest, the first debt cleared and the cash left for ordinary life.
Ratgeber lesenFrüher Ruhestand ·
Retirement spending guardrails: what happens when you cut back?
A plan can make money last by spending less. Decide how much flexibility you actually have.
Ratgeber lesenVergleich ·
Zenarios vs Boldin
Local, monthly life planning or a deeper US retirement toolkit? Where each fits, and where each falls short.
Ratgeber lesenVergleich ·
Zenarios vs ProjectionLab
Two planners with scenarios and market simulations, with different strengths in timing, tax strategies and control of your data.
Ratgeber lesenGeschrieben vom Entwickler von Zenarios. Die Produkterklärungen verweisen auf die Funktionsübersicht und Berechnungsmethodik. Die Beispiele dienen der Orientierung. Prognosen hängen von deinen Eingaben und vereinfachten Regeln ab.