Advisor Workspace

Run deterministic calculators, capture client data, and prepare advisory-ready outputs.

Authentication

Demo accounts: admin@ovb.local/admin123 · maria@ovb.local/supervisor123 · lara@ovb.local/advisor123

Wage Tax Calculator (Lohnsteuer 2025)

Estimate net wage, taxes, and social contributions.

API: /api/calculation/wage-tax

Pension Gap (Versorgungslücke)

Identify net/gross retirement income shortfall.

API: /api/calculation/pension-gap

Basisrente (Rürup) Forecast

Estimate tax savings and retirement pension for Rürup contributions.

API: /api/calculation/basisrente-forecast

Asset & Liability Overview

Aggregate household net worth with type and owner breakdowns.

API: /api/calculation/asset-liability
Assets
NameTypeValue (€)Owner
Liabilities
NameTypeAmount (€)Owner

Budget Planning (Haushaltsplan)

Track household cashflow and savings rate.

API: /api/calculation/budget-planning
Income Items
NameTypeAmount (€)Frequency
Expense Items
NameTypeAmount (€)FrequencyFixed?

Income breakdown

Expense breakdown

Income Protection (Arbeitskraftsicherung)

Estimate coverage gap and recommended sum insured.

API: /api/calculation/income-protection

Child Provision (Kindervorsorge)

Project future value of child savings plans.

API: /api/calculation/child-provision

Monte Carlo Simulation

Run 10,000 portfolio simulations to assess probability of reaching your capital goal.

Client-side · 10k runs

Retirement Age Optimizer (GRV)

Compare statutory GRV pension at ages 63–70 using German adjustment rules (−0.3% / +0.6% per month).

GRV 2025 rules

Tax Bracket Projector

Year-by-year heat map of German income tax exposure — spot high-bracket years and Rürup contribution windows.

German EStG 2025

Estate Planning (Erbschaftsteuer)

Estimate German inheritance tax per beneficiary using §16 ErbStG exemptions (Spouse €756k · Child €400k).

ErbStG 2025

Back Office

Role-aware workspace — advisors, households, clients & supervision.

Role-based