MeinRechner Finanzen

MeinRechner Finanzen combines six finance calculators focused on the German market in a single app.

Instead of switching between web calculators, bank tools, Excel sheets and scattered notes, international residents and the broader diaspora in Germany — including tech professionals in Berlin and Munich planning Kreditrechner before a property purchase, mixed-nationality couples in Hamburg comparing inflation against long-term euro savings, DAAD academics at FU and TUM tracking Sparrechner for buffer funds, Big-4 expat consultants in Frankfurt evaluating Renten-DE, and employees receiving Abfindung at the end of a German employment contract — get fast results, clear intermediate steps and local history directly on iPhone and iPad.

CONTAINS

- Loan calculator (Kreditrechner) with monthly payment, total interest and detailed amortisation schedule using the annuity method.
- Savings calculator (Sparrechner) with compound interest, regular deposits and yearly progression.
- Inflation calculator (Inflationsrechner) for purchasing-power loss and necessary adjustment per the Destatis price index.
- Pension calculator (Rentenrechner) with DRV-near assumptions, pension points and pension-gap analysis.
- Abfindung calculator Premium with the one-fifth rule per EStG § 34 and 2026 wage taxation.
- Real-estate transfer tax calculator (Grunderwerbsteuerrechner) Premium with rate per Bundesland from 3.5 to 6.5 per cent.

TYPICAL USERS

- International tech professional in Berlin plans Kreditrechner before purchase.
- DAAD academic at FU tracks Sparrechner for buffer fund.
- Big-4 expat consultant in Munich compares inflation and euro savings.
- Mixed-nationality couple in Hamburg verifies Grunderwerbsteuer before Notar.
- Employee with Abfindung at end of a German contract.
- International engineer in Frankfurt calculates Sparrechner for retirement.

REFERENCED SOURCES

The calculation parameters are based on the following official and legal sources: Bundesministerium der Finanzen (BMF), Finanzämter per Bundesland, Bundesfinanzhof (BFH) case law, EStG § 32a (2026 wage-taxation table), EStG § 34 (one-fifth rule for Abfindung), Grunderwerbsteuergesetz (GrEStG) with rate per Bundesland, Solidaritätszuschlagsgesetz, regulation (EC) 883/2004 on coordination of social-security systems in the EU, ECB and Bundesbank interest-rate data and the Destatis consumer price index.

IMPORTANT NOTICE

MeinRechner Finanzen is an estimation tool, not an official Steuerbescheid from the Finanzamt, not personal financial planning from a bank, and not a Notar document. Results are approximate and depend on user input. Special cases — detailed Werbungskosten, foreign residency with Progressionsvorbehalt, applicable DBA treaty, financial-market volatility, region-specific rules — may require professional advice.

NON-AFFILIATION

Independent informational tool. Not affiliated with BMF, Finanzämter, banks, or notaries. Does not constitute legal/tax/financial advice — consult a qualified Steuerberater, Notar, or Bankberater.

© 2026 Cosmic Production d.o.o.