💰 Finance
Darlehen-, Abschreibungs-, Energie- und Kraftstoffsparrechner
Hypothekenrechner, EMI-Rechner — monatliche Zahlung, Gesamtzinsen und Amortisationsplan.
Tool öffnen →Verfolge Einnahmen vs. Ausgaben
Tool öffnen →Linear und degressiv Abschreibungsmethoden
Tool öffnen →Schätze Strom- und Gasrechnungen
Tool öffnen →Vergleiche Kraftstoffkosten zwischen Fahrzeugen
Tool öffnen →Vergleiche Angebote nebeneinander und finde den besten Preis pro Stück. Kostenloser Rabattrechner.
Tool öffnen →Vergleiche Produkte nach Preis pro Gewichts- oder Volumeneinheit. Finde sofort den besten Wert.
Tool öffnen →Gehalt zwischen Stunden-, Wochen-, Monats- und Jahresbeträgen umrechnen.
Tool öffnen →Berechnen Sie Zinseszins mit monatlichen Beiträgen über die Zeit.
Tool öffnen →Einkommensteuer mit progressiven Steuerstufen schätzen.
Tool öffnen →Nettolohn nach Steuern und Abzügen schätzen.
Tool öffnen →Money calculations where seeing the working matters more than getting a number. Loan repayments, compound growth, salary conversions, running costs, and the everyday arithmetic of whether one price is really better than another.
These are informational tools, not advice. They are useful for understanding the shape of a decision — how much of a payment is interest, what a rate change does over twenty years — and they are not a substitute for the figures your lender, employer or tax authority gives you.
Which tool do I want?
| If you… | Use |
|---|---|
| You want repayments and total interest on a loan | Darlehnsrechner |
| You are projecting savings or investment growth | Zinseszinsrechner |
| You need to compare an hourly rate to an annual salary | Gehaltsrechner |
| You are working out take-home pay | Gehaltsrechner |
| Two package sizes and you want the real unit price | Stückpreisrechner |
| You want the running cost of an appliance or server | Energiekosten |
| You are checking what a discount actually saves | Rabattvergleich |
| You are planning monthly spending | Budgetplaner |
Compounding frequency changes the answer more than people expect
A "5% annual rate" is not one number. Compounded once a year it returns exactly 5%. Compounded monthly the effective rate is 5.12%; daily, 5.13%. Small differences — until you run them over decades, where they separate meaningfully.
This is why regulators require lenders to quote an effective annual rate alongside the nominal one. The nominal rate tells you what gets applied per period; the effective rate tells you what actually happens over a year, and only the second is comparable between products.
Worth knowing in the other direction too: on a long mortgage, the early payments are overwhelmingly interest, because interest is charged on the balance and the balance has barely moved. That is also why overpaying early is far more effective than overpaying late — every extra unit removes a balance that would otherwise have accrued interest for the entire remaining term.