❓ frequent questions💡
🏠 General about Obolus Finanz
What is Obolus Finanz?
Obolus Finanz is a growing ecosystem of apps for taxes, investments, and wealth planning. Our tools help you understand your finances transparently and based on data.
Which tools are currently available?
You can currently use the gross-net calculator with tax forecast and the new savings plan simulator. Additional tools for household and wealth planning are in development.
Do I need to create an account or register?
No. All tools are available directly in your browser – free of charge and 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 scientifically grounded.
💶 Questions about the Tax Calculator
How accurate is the gross-net calculator?
The calculations follow the official parameters of the German Ministry of Finance (BMF) and provide realistic tax forecasts.
Does the calculator consider joint taxation (Ehegattensplitting)?
Yes. You can simulate different tax class combinations, including Class IV with factor and joint assessment.
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.
📈 Questions about the Savings Plan Simulator
How realistic are the investment simulations?
The simulations are based on historical price and dividend data and use Monte Carlo or regression models – including realistic tax and reinvestment logic.
Which asset classes can I simulate?
You can compare various assets like ETFs, stocks, bonds, or gold – individually or combined. A cash baseline without interest is also available.
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.