What's Better?

Stop guessing. Get the real number.

We model every variable that matters to you in Germany: income, taxes, inflation, depreciation, family status, location-specific costs. See exactly how much money you鈥檒l have, year by year, under each scenario.

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Housing

Rent vs. Buy

Year-by-year simulation with German tax engine, fixed-rate refinancing, HOA fees, special levies, exit costs, and more. Tailored to your household.

Models: German tax engine 路 Fixed-rate + refi 路 Hidden costs 路 25-yr simulation
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Vehicle

Lease vs. Finance

Compare leasing, financing, and cash purchase side by side. Depreciation curves, opportunity cost, vehicle tax, and total cost of ownership.

Models: Depreciation model 路 Opportunity cost 路 Vehicle tax 路 Total ownership
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Health insurance

PKV vs. GKV

Lifetime simulation of private vs. public health insurance costs. Models age-based premiums, family coverage, employer subsidy, retirement transition, and investment of savings.

Models: Lifetime simulation 路 Age-based premiums 路 Family coverage 路 Retirement modeling
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Open-source 路 No account required 路 Your data never leaves your browser 路 German 2025 tax brackets 路 Not financial advice