This is a courtesy translation. The legally binding text is the German version.
Not investment, tax or legal advice
The calculators, data, charts and writing on de-data.de are provided for general information and education only. They are not investment advice, not investment brokerage, not tax advice and not legal advice. They are not a recommendation to buy, sell or hold any financial product, property or other asset.
Anyone making decisions about money, assets, tax or contracts should obtain individual advice from a qualified, independent professional first, such as a tax adviser, lawyer or fee-based financial planner.
Models, not forecasts
Every calculator on this site is a model. It simplifies reality, makes assumptions about interest rates, inflation, appreciation, taxes and similar variables, and cannot reflect every factor a household actually experiences. Historical outcomes are not a forecast of future outcomes. Real returns may diverge materially, including in negative directions.
Assumptions and defaults are marked as such and can be adjusted. Which assumption is reasonable for your case is a question the model cannot answer for you.
Data sources
The data used comes from official sources, in particular Destatis, Deutsche Bundesbank, Bundesnetzagentur, AGEE-Stat, Fraunhofer ISE, Eurostat and the European Central Bank. Market data on stock indices is sourced via Yahoo Finance. Despite careful processing, delays, gaps or transmission errors can occur. No warranty is given as to accuracy, completeness or timeliness.
Liability
Liability for damages arising from the use of the content or the calculators is excluded to the extent permitted by law. This does not apply to damages from injury to life, body or health, or to damages caused by intent or gross negligence.
Timeliness
The content is maintained with the aim of using current economic and tax data. Tax brackets, interest rates, inflation and index data change; despite regular updates, individual values may lag slightly behind. The legally and factually applicable position at any given time is what governs.