fin-calc Finanzrechner

fin-calc is your clear, fast financial toolbox – six calculators in one app, completely offline and ad-free.

THE CALCULATORS

• Loan Calculator – Annuity, monthly payment, complete amortization schedule, special repayments, and refinancing. Effective annual interest rate according to the German Price Indication Ordinance (PAngV).

• Interest Calculator – Savings plan & compound interest, final capital, contributions paid versus interest earned, including withholding tax.

• Retirement Savings Comparison – Riester pension vs. regular ETF savings plan vs. retirement savings account (AVD): three options in direct comparison.

• Pension Calculator – Statutory pension, pension points, pension gap, and purchasing power.

• Net Salary – Gross to net salary in 2026 including income tax, solidarity surcharge, church tax, and social security contributions; including salary components (company pension scheme, company car, benefits in kind, public transport pass).

• Donation Calculator – Tax savings for charitable and political donations, comparison of current vs. planned donations.

FEATURES

• Clear charts, tables, and detailed breakdowns

• A/B scenario comparison – two variants side-by-side

• Explanation mode: Tap on technical terms, plus A-Z glossary

• German and English, light and dark modes

• Save calculations, export as PDF

• "My Profile": personal starting values ​​– remain exclusively on your device

PRIVACY FIRST
fin-calc deliberately does NOT require internet access. All calculations run 100% on your device – nothing is transferred, nothing is collected, no advertising, no tracking.

fin-calc Pro (optional one-time purchase, no subscription)
Permanently unlocks scenario comparison, calculator-specific extras (e.g., special repayment, effective interest rate, ETF selection), "My Profile," saving, and PDF export. The basic calculators remain free.

Note: fin-calc provides non-binding calculations and estimates to the best of our knowledge (as of 2026) and does not replace tax or financial advice.