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calculators

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🦛 A selection of financial calculators used on the Finanzfluss Website

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최종 버전 다운로드 (.zip)

- - ci.yml
  - release.yml
- calculators-icon.svg
- PULL_REQUEST_TEMPLATE.md
- extensions.json
- settings.json
- - av-depot.ts
  - compound-interest.ts
  - disability-insurance.ts
  - gross-to-net.ts
  - income-tax.ts
  - index.ts
  - net-policy.ts
  - savings-duration.ts
  - savings-end-value.ts
  - savings-interest-rate.ts
  - savings-payment.ts
  - savings-start-value.ts
  - savings-utils.ts
  - savings.ts
- - av-depot.ts
  - disability-insurance.ts
  - gross-to-net.ts
  - net-policy.ts
  - pension.ts
- - calculator.ts
  - financial.ts
  - formatters.ts
  - i18n.ts
  - index.ts
  - validation.ts
- index.ts
- - av-depot.test.ts
  - compound-interest.test.ts
  - disability-insurance.test.ts
  - gross-to-net.test.ts
  - income-tax.test.ts
  - net-policy.test.ts
  - savings.test.ts
- - financial.test.ts
  - formatters.test.ts
  - i18n.test.ts
  - savings-utils.test.ts
  - validator.test.ts
.editorconfig
.gitignore
.prettierrc
eslint.config.mjs
LICENSE
package.json
pnpm-lock.yaml
pnpm-workspace.yaml
README.md
tsconfig.json
tsdown.config.ts
vitest.config.ts

// repository documentation

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<img src="./.github/calculators-icon.svg" alt="Logo for @finanzfluss/calculators Repository" width="120" height="120">

# @finanzfluss/calculators

A selection of financial calculators used on the Finanzfluss Website: [https://www.finanzfluss.de/rechner/](https://www.finanzfluss.de/rechner/)

🎯 **Type-safe**: built with TypeScript and Zod validation

🔍 **Real-world tested**: used by millions of Finanzfluss users

🏛️ **German tax system support**: Correct tax and insurance calculation

<br />

## Installation

```bash
# pnpm
pnpm add -D @finanzfluss/calculators

# npm
npm install -D @finanzfluss/calculators

# yarn
yarn add -D @finanzfluss/calculators
```

<br />

## Calculators

### Compound Interest Calculator

The Zinseszinsrechner ([https://finanzfluss.de/rechner/zinseszinsrechner](https://www.finanzfluss.de/rechner/zinseszinsrechner/)) demonstrates the power of compound interest for long-term wealth building. It calculates how investments grow over time when returns are reinvested, helping users visualize the compound effect on their savings.

#### Key Features:

- **Flexible starting capital** support for both lump-sum investments and zero initial capital scenarios
- **Regular savings plans** with configurable monthly payment amounts to model systematic investing
- **Multiple compounding intervals** supporting monthly, quarterly, and yearly compounding periods
- **Long-term projections** with duration support from short-term to multi-decade investment horizons
- **Interest rate sensitivity analysis** showing how small changes in returns dramatically impact final wealth
- **Visual data output** providing detailed breakdowns of capital growth vs. compound interest accumulation
- **Realistic return modeling** with validation for reasonable interest rate ranges (-10000% to 10000%)

```ts
import { compoundInterest } from '@finanzfluss/calculators'

const input = {
  startCapital: 5000,
  monthlyPayment: 100,
  durationYears: 10,
  yearlyInterest: 7,
  type: 'monthly', // 'monthly', 'quarterly', or 'yearly'
}

// Validate input and calculate compound interest result
const result = compoundInterest.validateAndCalculate(input)

console.log(result.finalCapital) // Total capital after compound growth
console.log(result.totalPayments) // Sum of all payments made
console.log(result.totalInterest) // Total interest earned through compounding
console.log(result.diagramData) // Detailed growth data for visualization
```

<br />

### Savings Calculator

The Sparrechner ([https://finanzfluss.de/rechner/sparrechner](https://www.finanzfluss.de/rechner/sparrechner/)) is a versatile financial planning tool that calculates any unknown variable in a savings plan when all other variables are provided. It helps users plan their savings goals by solving for end value, starting capital, interest rate, duration, or payment amount.

#### Key Features:

- **Flexible calculation modes** solving for any of five variables: end value, start capital, interest rate, duration, or payment amount
- **Tax-optimized calculations** supporting both distributing and accumulating investment types with capital gains tax considerations
- **Partial tax exemption** modeling the German partial exemption (Teilfreistellung) for funds
- **Multiple saving intervals** supporting both monthly and yearly payment schedules
- **Visual growth tracking** providing detailed capital and interest accumulation data for charts

```ts
import { savings } from '@finanzfluss/calculators'

const input = {
  output: 'endValue', // What to calculate: 'endValue', 'startValue', 'yearlyInterest', 'monthlyDuration', or 'savingRate'
  startValue: 10000,
  savingRate: 200,
  saveIntervalType: 'monthly', // 'monthly' or 'yearly'
  savingType: 'inAdvance', // 'inAdvance' or 'inArrear'
  yearlyInterest: 7,
  interestIntervalType: 'monthly', // 'monthly', 'quarterly', or 'yearly'
  yearlyDuration: 20,
  considerCapitalGainsTax: true,
  capitalGainsTax: 26.375,
  distributionType: 'accumulating', // 'accumulating' or 'distributing'
  partialExemption: 30,
  useCompoundInterest: true,
}

// Validate input and calculate savings result
const result = savings.validateAndCalculate(input)

console.log(result.endValue) // Final portfolio value
console.log(result.deposits) // Total amount deposited
console.log(result.interestAfterTax) // Net interest earned after tax
console.log(result.yearlyDuration) // Duration in years
console.log(result.monthlyDuration) // Duration in months
console.log(result.diagramData) // Detailed capital and interest growth data
```

<br />

### Gross-to-Net Calculator

The Brutto-Netto-Rechner ([https://finanzfluss.de/rechner/brutto-netto-rechner](https://www.finanzfluss.de/rechner/brutto-netto-rechner/)) calculates a net salary from gross income, accounting for all German tax and social insurance deductions. It is based on the official pseudo code for tax calculation provided by the German ministry of finance: [https://www.bmf-steuerrechner.de/interface/pseudocodes.xhtml](https://www.bmf-steuerrechner.de/interface/pseudocodes.xhtml).

#### Key Features:

- **All 6 German tax classes** (I-VI) with specific calculations for single, married, and divorced individuals
- **State-specific calculations** for all 16 German states including varying church tax rates (8% in Bavaria/Baden-Württemberg, 9% elsewhere)
- **Age-based adjustments** including senior citizen tax relief (Altersentlastungsbetrag) for 64+ years
- **Child allowances** with support for partial children (e.g., 0.5 children for blended families)
- **Flexible insurance options** supporting both public (GKV) and private (PKV) health insurance
- **Comprehensive social insurance** including pension, unemployment, and care insurance calculations

```ts
import { grossToNet } from '@finanzfluss/calculators'

const input = {
  inputAccountingYear: '2025',
  inputTaxClass: 1,
  inputTaxAllowance: 0,
  inputChurchTax: 0,
  inputState: 'Hamburg',
  inputYearOfBirth: 1990,
  inputChildren: 0,
  inputChildTaxAllowance: 0,
  inputPkvContribution: 0,
  inputEmployerSubsidy: 0,
  inputPensionInsurance: 0,
  inputLevyOne: 0,
  inputLevyTwo: 0,
  inputActivateLevy: 0,
  inputHealthInsurance: 0,
  inputAdditionalContribution: 1.7,
  inputGrossWage: 5000,
  inputPeriod: 2, // 2 = monthly, 1 = yearly
}

// Validate input and calculate gross to net result
const result = grossToNet.validateAndCalculate(input)

console.log(result.outputResNetWageMonth) // Net monthly wage
console.log(result.outputResNetWageYear) // Net yearly wage
```

<br />

### Net Policy Calculator

The Rentenversicherung-Rechner ([https://finanzfluss.de/rechner/rentenversicherung](https://www.finanzfluss.de/rechner/rentenversicherung/)) compares ETF-based pension insurance policies (Nettopolice) with traditional ETF savings plans for retirement planning.

#### Key Features:

- **ETF pension insurance analysis** comparing net policies vs. direct ETF investments
- **Tax optimization calculations** including different taxation rules for insurance vs. investment gains
- **Cost structure analysis** factoring in management fees, placement commissions, and ongoing charges
- **Long-term projections** with realistic return assumptions (typically 7% for diversified equity portfolios)
- **Flexible withdrawal scenarios** supporting both lump-sum and gradual withdrawal strategies
- **Real-world cost modeling** using actual insurance product data and fee structures

```ts
import { netPolicy } from '@finanzfluss/calculators'

const input = {
  // General inputs
  savingRate: 250,
  duration: 35, // in years
  taxAllowance: 1000,
  additionalIncome: 0,
  capitalGainsTax: 26.375,

// Policy inputs
  placementCommission: 299,
  savingRateCosts: 4,
  balanceCosts: 0.22,
  fixedCosts: 10,
  minimumCosts: 30,

// ETF inputs
  ter: 0.2,
  expectedInterest: 7,
  partialExemption: 30,

// Reallocation inputs
  reallocationOccurrence: 10,
  reallocationRate: 40,
}

// Validate input and calculate net policy result
const result = netPolicy.validateAndCalculate(input)

console.log(result.tableData.netWorth) // Projected net worth over time
```

<br />

### Disability Insurance Calculator

The Berufsunfähigkeitsversicherung-Rechner ([https://finanzfluss.de/rechner/berufsunfaehigkeitsversicherung](https://www.finanzfluss.de/rechner/berufsunfaehigkeitsversicherung/)) helps users determine how much disability insurance coverage they need. It compares three standard coverage levels against their current income and models the income gap during different stages of disability.

#### Key Features:

- **Three DIN 77230 coverage levels** based on the German standard for private household financial analysis: securing basic existence (avoiding social welfare), maintaining your current standard of living, and enabling an improved standard of living that covers additional goals like property, family, or wealth building
- **Income timeline modeling** showing actual take-home at each stage: working, short-term sick leave, prolonged illness (Krankengeld), and full disability (Erwerbsminderungsrente)
- **Custom coverage input** supporting a user-defined target pension amount alongside the three standard levels
- **Visual data output** providing both tabular level comparisons and interval-based coverage data for charts

```ts
import { disabilityInsurance } from '@finanzfluss/calculators'

const input = {
  grossIncome: 4000,
  netIncome: 2600,
  useCustomHalfDisabilityPension: false, // set to true to override the estimated value
  customHalfDisabilityPension: 0,
  numberOfChildren: 1, // affects care insurance contribution rate (0–4)
  useCustomPensionAmount: false,
  customPensionAmount: 0,
}

// Validate input and calculate disability insurance result
const result = disabilityInsurance.validateAndCalculate(input)

result.tableData.level1 // Level 1: basic existence security (DIN 77230 Stufe 1)
result.tableData.level2 // Level 2: maintaining current standard of living (DIN 77230 Stufe 2)
result.tableData.level3 // Level 3: improved standard of living (DIN 77230 Stufe 3)
```

<br />

### AV-Depot Calculator

The Altersvorsorgedepot-Rechner ([https://finanzfluss.de/rechner/altersvorsorgedepot](https://www.finanzfluss.de/rechner/altersvorsorgedepot/)) compares saving into a subsidized AV-Depot (Altersvorsorgedepot) against a regular ETF brokerage depot for retirement. It models the full savings and payout phases for both accounts, accounting for state subsidies (Grundzulage, Kinderzulage, Berufseinsteigerbonus), Vorabpauschale taxation, and the tax treatment of withdrawals (Günstigerprüfung, Halbeinkünfteverfahren).

#### Key Features:

- **Side-by-side depot comparison** projecting year-by-year capital growth for both an AV-Depot and a normal depot under the same contributions and returns
- **State subsidies** including Grundzulage, Kinderzulage per eligible child, and the Berufseinsteigerbonus for savers under 25
- **Configurable tax-savings handling** letting the income-tax refund from AV contributions flow back into the AV-Depot, into a separate secondary depot, or be consumed
- **Payout-phase modeling** covering the optional one-time lump-sum payout and the taxation of subsequent annual withdrawals for both depots

```ts
import { avDepot } from '@finanzfluss/calculators'

const input = {
  age: 35,
  retirementAge: 67,
  zveSavingsPhase: 50_000,
  zveRetirement: 20_000,
  savingsRate: 1_800,
  etfReturnRate: 6, // percent
  avDepotCosts: 0.2, // percent, annual AV-Depot cost drag
  exemptionOrder: 1_000,
  taxSavingsMode: 'avDepot', // 'avDepot' | 'secondaryDepot' | 'consume'
  baseRate: 0, // percent, Basiszins for Vorabpauschale
  oneTimePayout: 0, // percent taken as a lump sum at retirement
  payoutReturnRate: 3, // percent
  payoutUntilAge: 85,
  childBirthYears: [], // enables Kinderzulage while children are under 18
}

// Validate input and calculate AV-Depot result
const result = avDepot.validateAndCalculate(input)

result.finalCapital.avDepot // Capital in the AV-Depot at retirement
result.finalCapital.normalDepot // Capital in a comparable normal depot at retirement
result.payoutTotal.net.avDepot // Total net payout from the AV-Depot
```

<br />

## Testing

Run the test suite:

```bash
pnpm test
```

Run type checking:

```bash
pnpm test:types
```

Run tests with coverage report:

```bash
pnpm test:coverage
```

<br />

## License

[AGPL-3.0](./LICENSE) License © 2025-PRESENT [Finflow GmbH](https://www.finanzfluss.de/impressum/)