Money · Life · Investments
Understand money, build wealth, live well
Fifteen topics from salary to gold, twelve countries, twelve German regions and calculators that run in your browser. Plus watch and gold buying with instant estimates, property valuation and a portfolio check.
Signature calculator
What is left of your salary?
Enter your gross pay, pick a tax class and see your net in ten seconds, with every deduction and what your employer pays on top. German rules, 2026.
Fifteen topics
From the first payslip to the inheritance
4 articles
Money & Saving
The foundation
3 articles
Salary
What actually arrives
4 articles
Taxes
Pay less, legally
4 articles
Property
Bricks and mortar, with sense
6 articles
Precious Metals & Gold
A real asset in your hand
3 articles
Loans & Financing
Borrowed money, your rules
3 articles
Insurance
Only the essentials
5 articles
Investing
Wealth with a plan
3 articles
ETFs & Savings Accounts
Simple and broad
3 articles
Retirement & Pensions
Living well later
3 articles
Grants & Subsidies
Money you are owed
3 articles
Family & Money
Wealth across generations
3 articles
Cars & Mobility
The second biggest expense
3 articles
Travel & Money
Paying smart on the road
3 articles
Self-Employment
Your own account
Buying & Advice
Five questions that real people answer
Sell luxury watches
What is your watch worth?
Value range in one minute from brand, model class, year, condition and set.
Get an estimateSell scrap gold
What is your gold worth?
Material value at the current gold price, openly calculated: weight times fineness times price.
Get an estimateInvest in gold
How much gold belongs in your portfolio?
The planner shows ounces, premium and value in three scenarios for lump sum and savings plan.
Get an estimateWhat is my property worth?
What is your property worth?
First value range from regional data, year built, condition, location and features in two minutes.
Get an estimateStocks & ETFs
How well is your portfolio set up?
Score from costs, diversification, allocation, concentration, savings plan, rebalancing and behaviour.
Get an estimateNew in the magazine
Latest articles
Precious Metals & Gold
Gold bars or coins: what investors should buy
Bars are cheaper per gram, coins easier to sell.
Investing
Diversification: building a portfolio that holds
A portfolio that survives every crash consists of a few building blocks that move differently.
Property
Buying property in Germany 2026: buy or rent?
Mortgage rates around 3.5 percent, prices rising slightly again after the correction, rents at record levels: in 2026 buying adds up again, but not everywhere.
ETFs & Savings Accounts
Starting an ETF savings plan: selection, contribution, compounding
An ETF savings plan is the simplest form of investing: set it up once, let it run for decades.
Money & Saving
Emergency fund: how much, where and how fast
Three to six months of net income, within reach in an instant-access savings account: the emergency fund is the first money decision everyone should make.
Insurance
Occupational disability insurance: the most important policy
One in four working people in Germany becomes unable to work before retirement, and the state reduced earning capacity pension is not enough.
Countries
Where is living and investing cheaper?
Twelve countries with cost of living, taxes and property prices. Tap a dot.
All twelve countries on the world map, Europe in detail on the left.
AffordableMediumExpensiveCost of living compared with Germany
Regions
What does a square metre cost in your city?
Purchase prices for existing flats in thousand euros per square metre, reference values 2026. Three times as much in Munich as in Leipzig.
The quiz
Saver, strategist or collector?
Eight questions, six money types, a result with an image to share on WhatsApp, Instagram and more.
Start the quizCalculators & tools
Calculate instead of guessing
Gross to Net Calculator 2026
Tax class, children, church tax, health insurer surcharge: what is left of your German gross salary, monthly and per year.
OpenIncome Tax Calculator
Enter taxable income, read off tax, marginal rate and average rate, with joint assessment.
OpenETF Savings Plan Calculator
Contribution, return, term: how your savings plan develops over the years, with a chart and compound interest.
OpenSavings Interest Calculator
Balance, rate, term and tax: what your instant-access savings bring after German withholding tax and the tax-free allowance.
OpenLoan Calculator
Loan amount, rate, term: monthly instalment, total interest and repayment schedule, also for refinancing.
OpenMortgage Calculator
Price, federal state, equity, rate and repayment: monthly payment, closing costs and remaining debt after the fixed-rate period.
OpenPension Gap Calculator
Age, net income, expected pension: how big your gap is and which savings rate closes it.
OpenCar Cost Calculator
Price, holding period, mileage, consumption, insurance: what your car costs per month and per kilometre.
OpenTravel Budget Calculator
Country, days, people, style: your daily budget and travel fund, with buffer and cash share.
OpenHourly Rate Calculator
Target net income, costs, holidays, billable hours: the hourly rate that actually suffices.
OpenParental Allowance Calculator
Net income before the birth, variant, part-time: basic Elterngeld, ElterngeldPlus and partnership bonus compared.
OpenSubsidy Finder
Six questions on life situation, income, housing and plans: which German subsidies you are entitled to in 2026.
OpenInsurance Check
Life situation, job, family, possessions: which insurance you need, which is optional and which you can skip.
OpenBudget Planner
Enter net income and fixed costs: the 50-30-20 split, your savings potential and when your savings goal is reached.
OpenGold Calculator
Weight, fineness, gold price: the material value of jewellery, bars and coins, also as a buying range.
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