Obolus is modular. TaxApp calculates your net income, Budget plans expenses and savings, InvestApp simulates long-term wealth, and Cockpit brings everything together in one personal dashboard.
Without login, your inputs stay local in your browser. Data is only saved on our servers when you are logged in and actively use cloud actions such as save/load.
Yes. All tools are currently completely free to use and require no registration.
Yes. The calculator uses the currently valid 2026 tax law logic and tax brackets for all supported countries, including Germany.
The Cockpit is your central dashboard for income, expenses, savings rate, and financial goals. It connects TaxApp, Budget, and Invest in one view.
Yes. Cockpit is account-based. Only logged-in users can securely sync and load their data across devices.
Currently, we support tax systems for Germany (including 2026 update), Austria, Switzerland, USA, UK, Canada, Australia, and Ireland.
We use the latest tax guidelines (e.g., IRS for USA, HMRC for UK). Note that local municipal taxes or specific state taxes are mapped as averages depending on the complexity.
No. The calculations are for guidance and international comparison only. For binding information, please consult a local tax advisor or the respective authorities.
Yes. You can export results and save data locally depending on the feature. With an account, you can also store profiles and scenarios in the cloud and load them across devices.
TaxCompare allows you to translate a gross salary from one country into the net equivalent of another. This shows you instantly where you keep more purchasing power after taxes.
The current version focuses on the tax burden. We are already working on integrating Purchasing Power Parities (PPP) to make the comparison even more realistic.
Primarily for expats, digital nomads, and professionals deciding which country to choose for their next career move.
Cost of Living answers the broad affordability question, Rent vs Income zooms in on housing burden, TaxCompare translates the same salary case across countries, and TaxApp goes deeper into one tax system.
Because it always reads rent against local income and your net income after deductions. That combined lens is what makes a location feel realistic rather than just cheap on paper.
Local medians are excellent for reading the market. For a real offer or move decision, you should then switch to your own gross salary and test the same pages again.
These pages combine net income after deductions, national or urban rent, grocery-basket cost, health costs paid outside payroll, and the available income that remains after essentials.
Housing and grocery values are currently source-backed benchmark inputs. Tax and payroll deductions come live from the compare backend and are combined with that benchmark layer. Example sources: https://www.destatis.de and https://stats.oecd.org
Because broad country affordability and real city pressure are not the same thing. The toggle shows whether a location still holds up once rents become more demanding.
Integration. You don't need to type in your salary—just import it. Plus, it automatically calculates your free capital for investments.
Yes. You can flexibly manage providers (e.g., Netflix) and categories (e.g., Entertainment).
Instead of guessing a flat 7% return, we simulate thousands of possible market futures. This shows you not just the potential profit, but also the risk.
Yes. The simulator accounts for German capital gains tax (Abgeltungsteuer), solidarity surcharge, and tax exemptions.
The Monte Carlo model simulates thousands of possible future paths to estimate probabilities for returns and risks.
Yes. The simulator takes into account dividend allowances, capital gains tax, automatic reinvestment, and tax deferral effects for accumulating funds.