Consultation tools

Helpful calculators for your life in Germany.

Estimate income, pension, tax-saving potential, parental allowance, health insurance, emergency reserves and real estate affordability — with practical tools for your financial planning in Germany.

Open tools → Book free consultation

These tools provide estimations only. Your personal situation should always be reviewed individually.

From rough numbers to clear next steps.

Calculators are useful for orientation. German Sherpa helps you understand what the numbers mean for your real financial decisions.

1
Calculate first Use simple tools for income, pension, family, insurance and financing orientation.
2
Understand the result We explain what the result means in the German financial system.
3
Plan your next step Build a financial roadmap around your goals, family and long-term plans.
Income Estimate net salary and monthly planning.
Pension Understand pension points and retirement gaps.
Family & insurance Explore Elterngeld, GKV/PKV and budget planning.
Property Estimate affordability, financing and rent vs. buy.
Tools overview

Choose the calculator you need.

Start with a quick estimation and then use the results as a basis for your personal German Sherpa consultation.

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Income & pension

Estimate net income, pension points and retirement gaps directly on this page.

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Family & protection

Calculate Elterngeld, health insurance orientation, emergency funds and family budgets.

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Real estate planning

Estimate your property budget, financing structure and rent-vs-buy orientation.

01
Salary orientation

Net Income Calculator

Estimate your monthly net salary in Germany based on gross income, tax class and adjustable social security assumptions.

  • All German tax classes included
  • Helpful before salary negotiations
  • Works directly on this page
Calculating…
This is a simplified estimate for orientation. Payroll, tax class details, health insurance status, children, church tax, solidarity surcharge and special deductions can change the real result.
02
German pension system

Pension & Points Calculator

Estimate German statutory pension points and get a first feeling for how the system works.

  • Understand pension points
  • Useful for long-term planning
  • Adjust assumptions directly
Calculating…
This is a simplified estimate. Official pension values and average income figures change over time. Use your official Renteninformation for accurate planning.
03
2026 tax-saving orientation

Tax Saving Scheme Calculator

Estimate how much Rürup / Basisrente contribution may be deductible in 2026 and what your approximate tax refund could look like.

  • 2026: 100% deductible within the legal maximum
  • 30,826 € for singles
  • 61,652 € for jointly assessed spouses / registered partners
⚠️ Desired Rürup contribution exceeds the estimated deductible limit.
Calculating…
2026 values: Rürup / Basisrente contributions can be deducted at 100% up to 30,826 € for singles and 61,652 € for jointly assessed spouses / registered partners. Existing statutory pension contributions may reduce the remaining deductible room. This tool is informational and does not constitute tax advice.
04
Property budget

What can you afford?

Estimate a possible property purchase price based on your available monthly budget, equity, interest rate and repayment.

  • Quick real estate budget orientation
  • Includes estimated closing costs
  • Non-binding sample calculation
Calculating…
This amount is calculated from your monthly available amount × 12 divided by the borrowing rate plus repayment. Closing costs are estimated based on your input.
05
Mortgage orientation

Full Financing Calculator

Estimate monthly payments, special repayments and remaining debt for a simple financing scenario.

  • Useful for mortgage preparation
  • Includes fixed interest period
  • Includes annual special repayments
Calculating…
This is a simplified non-binding sample calculation and does not constitute financial advice or a binding financing offer.
06
Family planning

Elterngeld Rechner

Estimate German parental allowance based on your monthly net income before birth, expected income after birth and your planned Elterngeld months.

  • Basiselterngeld and ElterngeldPlus estimate
  • Includes sibling bonus
  • Includes multiple-birth supplement
Calculating…
This is a simplified orientation tool. The official Elterngeld office calculates the specific “Elterngeld-Netto” with its own simplified procedure.
07
Health insurance orientation

GKV vs. PKV Calculator

Estimate whether private health insurance may be worth reviewing and compare a simplified GKV contribution estimate.

  • Checks basic PKV review eligibility
  • Shows GKV cost orientation
  • Highlights family and long-term planning points
Calculating…
This tool does not recommend GKV or PKV. It only shows whether a review may be relevant.
08
Retirement planning

Retirement Gap Calculator

Estimate how much private pension capital or monthly savings may be needed to close your retirement income gap.

  • Includes inflation assumption
  • Shows target retirement capital
  • Useful for first retirement planning talks
Calculating…
This is a simplified retirement projection. Taxes, product costs, sequence risk and personal risk profile are not fully modeled.
09
Real estate decision

Rent vs. Buy Calculator

Compare a simplified renting scenario with a property purchase scenario over your planned time horizon.

  • Considers equity, loan and closing costs
  • Includes rent increase and property appreciation
  • Useful for expat buy-or-rent conversations
Calculating…
This is a simplified orientation. Taxes, notary details, broker fees, renovations, selling costs and individual financing conditions can materially change the result.
10
Financial safety

Emergency Fund Calculator

Estimate a suitable emergency reserve based on monthly fixed costs, job stability, dependents and residence situation.

  • Simple liquidity target
  • Good first step before investing
  • Especially useful for expats in Germany
Calculating…
This is a liquidity planning tool, not investment advice. Emergency funds are usually kept accessible and separated from long-term investments.
11
Monthly planning

Family Budget in Germany Calculator

Build a simple monthly family budget and see how much room is left for savings, investing and protection planning.

  • Simple monthly cash-flow view
  • Shows savings rate
  • Helpful before full financial planning
Calculating…
This is a simple household budget tool. It does not replace detailed financial planning, tax planning or liquidity planning.
Mortgage check

Additional financing check.

Use the additional real estate financing widget for another first orientation before your personal German Sherpa consultation.

Privacy note: Some tools are provided through external calculators or third-party widgets. Only enter data if you are comfortable with the respective provider processing it.

Want to understand what the numbers mean?

Use the calculators for orientation — then book your free consultation and get clear next steps for your personal situation in Germany.

Book free consultation → WhatsApp us
The first consultation is free and without obligation. German Sherpa provides financial guidance and product orientation. Tax and legal matters may require separate professional advice.

Clarity Starts With Structure.

We advise expats who live and work in Germany.

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