Free Tools
Free Tools & Calculators
Free, no-signup calculators and tools to help you make better money and tech decisions.
GKV vs. PKV Calculator 2026
Compare your statutory and private health-insurance costs side by side — based on the official 2026 contribution rates.
Open tool→Brutto-Netto-Rechner 2026
See your net take-home pay from your gross salary — German income tax, Soli, church tax and all four social insurances for 2026.
Open tool→Every tool on this page runs entirely in your browser: no sign-up, no data sent to a server, no paywall after three uses. They exist because the underlying rules — German payroll deductions, public-versus-private health insurance break-evens — are genuinely hard to reason about without doing the math properly.
Each calculator links to in-depth guides from our blog that explain the assumptions behind the numbers, what the edge cases are, and what to watch out for before you act on a result. Numbers first, then context.