Zinsklar: Compound Interest

See the assumptions behind the future.

Zinsklar models compound growth and portfolio withdrawals with German investment-tax mechanics, inflation and changing life phases. Compare nominal and real projections or explore additional withdrawal strategies with the optional upgrade. Results reflect your chosen assumptions and are calculation scenarios, not investment or tax advice.

Download on the App Store ↗App website ↗

Free to download · USD store listing

iOS 17.0+ · See the App Store for current pricing and in-app purchases.

YOUR QUESTION. A CLEAR ANSWER.

How can I model compound interest after German investment taxes?

Zinsklar combines growth projections with German capital-gains tax components, allowances and fund exemptions, and models withdrawals lot by lot in FIFO order.

Get started with Zinsklar.

Enter your savings assumptions, planned spending and relevant tax settings for the scenario you want to model.
Compare real and nominal growth, then examine how withdrawals and changing life phases affect the projection.
Explore optional Monte Carlo paths or withdrawal strategies, interpreting all results as scenarios rather than promised outcomes.

Here’s what you can do.

German investment-tax model

Savings, inflation and drawdown scenarios

Monte Carlo and withdrawal strategies with upgrade

A look inside.

Original screenshots from the App Store.

Good to know.

Can I model different stages of life?

Yes. Life phases can have separate savings rates, returns and spending, including part-time work, leave and retirement.

Does Zinsklar guarantee a retirement date?

No. Dates and success probabilities are model outputs based on assumptions, not promises of future performance or individual financial advice.

Where can I download Zinsklar?

The app is available on the Apple App Store. The listing has the current version, regional availability, privacy details, and in-app purchases. App Store ↗

Get Zinsklar ↗

Store details checked September 16, 2026.