Frequent questions💡

How do the apps work together?

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.

Is my financial data stored?

No! Privacy is our priority. All calculations happen locally in your browser. No data is sent to our servers.

Is it really free?

Yes. All tools are currently completely free to use without registration.

What makes Obolus Finanz different from other financial tools?

Our platform combines tax and investment logic in one interactive simulation – realistic, transparent, and easy to access.

Is the calculator up to date?

Yes, it follows the official German Ministry of Finance (BMF) regulations for 2025. The 2026 draft logic is also included.

Can I calculate for married couples?

Yes. We support 'Ehegattensplitting' (joint filing) and all tax class combinations (IV/IV factor, III/V).

Are the results legally binding?

No. The results are based on official tax parameters but are for informational purposes only. For binding information, please contact a tax advisor or the tax office.

Can I save or export the results?

Yes. You can save your calculations locally or export them as PDF or CSV files.

Why use this over Excel?

Integration. You don't need to type in your salary—just import it. Plus, it automatically calculates your free capital for investments.

Can I create custom categories?

Yes. You can flexibly manage providers (e.g., Netflix) and categories (e.g., Entertainment).

What is a Monte Carlo simulation?

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.

Are German taxes included?

Yes. The simulator accounts for German capital gains tax (Abgeltungsteuer), solidarity surcharge, and tax exemptions.

What is a Monte Carlo model?

The Monte Carlo model simulates thousands of possible future paths to estimate probabilities for returns and risks.

Are taxes and dividends realistically considered?

Yes. The simulator takes into account dividend allowances, capital gains tax, automatic reinvestment, and tax deferral effects for accumulating funds.