Obolus Finance – Toolkit for Tax, Budget & Invest

A connected ecosystem: Calculate your German net wage, optimize your budget, and simulate your wealth growth.

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🚀 Our Finance Apps

Step 1: Calculate Payroll Tax

German Tax Calculator

Gross-Net calculator 2025/2026. Includes income splitting for couples, social security insights, and tax forecasts. Know your real net income.

Step 2: Plan Budget

Smart Budget Planner ** NEW **

The missing link: Import your net income directly from the tax tool, manage fixed costs, and calculate your ideal savings rate.

Step 3: Grow Wealth

Investment Simulator

Plan your wealth. Simulate ETFs, stocks, and savings plans using Monte Carlo analysis and real historical market data.

🚀 Open Simulator🚌 Tour

❓ Frequent questions

Obolus is modular. You can use each app individually, but they work best together: Your net income flows into the budget. Your budget surplus flows into the investment simulation.
No! Privacy is our priority. All calculations happen locally in your browser. No data is sent to our servers.
Yes. All tools are currently completely free to use without registration.

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Obolus Finance – Tax, Budget & Investment Hub