OVB Financial Advisor Suite

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Financial Advisor Suite

Intelligent advisory platform with 11 German tax-law-compliant calculators, role-based access, and full audit compliance.

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11 Financial Calculators

Wage tax, pension gap, Monte Carlo, estate planning and more. German 2025 EStG, ErbStG, GRV compliant.

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Role-Based Access

5 user roles with configurable permissions, data boundaries, and advisor-level isolation.

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Audit & Compliance

GDPR-ready with full audit trail, consent tracking, calculation persistence and PDF export.

Create an account to use financial calculators independently.

Full Name * Email * Password * Region Nationality I consent to the processing of my personal data for financial advisory purposes. I accept the Terms of Use

Interested in a demo or partnership? Send us a message.

Client Context

No household selected

Please select a household or create a new one to unlock calculators.

Wage Tax Calculator (Lohnsteuer 2025)

Estimate net wage, taxes, and social contributions.

API: /api/calculation/wage-tax

Gross Annual Salary (€) Tax Class Church Tax Rate Number of Children Health Insurance Contribution Rate Childless (nursing care surcharge) Employer Private Insurance Subsidy (€) Old Age Relief Amount (€) Salary Conversion (€) Located in Saxony (higher nursing care employee share) Since 2025 social security ceilings are unified nationwide — no East/West distinction.

Pension Gap (Versorgungslücke)

Identify net/gross retirement income shortfall.

API: /api/calculation/pension-gap

Current Net Income Monthly (€) Desired Net Income in Retirement (€) Projected Retirement Income (€) Tax & Social Security Rate (e.g., 0.25) Years to Retirement (optional) Expected Return (optional, e.g., 0.05) Life Expectancy in Retirement (optional)

Basisrente (Rürup) Forecast

Estimate tax savings and retirement pension for Rürup contributions.

API: /api/calculation/basisrente-forecast

Marital Status Employment Type Annual Gross Income (€) Taxable Income (€) Date of Birth Target Retirement Age Monthly Contribution (€) Assumed Annual Return Rate Pension Factor (per 10,000€) Max Deductible Limit (Single) — 2025: €29,344 Max Deductible Limit (Married) — 2025: €58,688 Statutory Pension Contribution Rate Marginal Tax Rate Life Expectancy in Retirement (years)

Asset & Liability Overview

Aggregate household net worth with type and owner breakdowns.

API: /api/calculation/asset-liability

Budget Planning (Haushaltsplan)

Track household cashflow and savings rate.

API: /api/calculation/budget-planning

Income Items

NameTypeAmount (€)Frequency

Expense Items

NameTypeAmount (€)FrequencyFixed?

Report period:

Income breakdown

Expense breakdown

Income Protection (Arbeitskraftsicherung)

Estimate coverage gap and recommended sum insured.

API: /api/calculation/income-protection

Current Monthly Gross Income (€) Current Monthly Net Income (€) Annual Income Growth Rate Years Until Retirement Target Replacement Ratio Existing Coverage Monthly Benefit (€) Desired Coverage Monthly Benefit (optional)

Child Provision (Kindervorsorge)

Project future value of child savings plans.

API: /api/calculation/child-provision

Monthly Contribution (€) Years to Maturity Expected Annual Return Rate One-time Investment (€) Initial Capital (€) Annual Fee Rate Target Capital (€)

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

Booking

Schedule or manage consultation appointments.

Calendar

Consultation Log

Track consultation sessions and service checks per household.

Advisor / Supervisor

Session Timeline

Back Office

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

Role-based

My Households

My Clients

My Calculation History

Click Refresh to load your saved calculation results.

System Users

Calculator Settings

Adjust calculation parameters here (e.g. when legislation changes).

Benefit Trigger Rules

Configure when teaser messages appear based on calculation results.

GDPR / Datenschutz

Configure the consent text shown during client self-registration. One field per language configured in the Translations tab.

Translations / Übersetzungen

Edit all app translations. Add new languages for advisors of different nationalities. Changes are saved to localStorage and override default values.

Supervisor Management

Manage supervisor–advisor assignments. To create a new supervisor, change a user's role in the Users tab.

Auto-Assignment Rules

Create rules to automatically assign new users to an advisor based on their nationality. When a user registers or is created with a matching nationality, they will be linked to the designated advisor's household.

Calculation History

All saved calculation results across advisors, households, and clients.

SuperAdmin Console

System-wide administration, mass operations, and direct database access.

System Statistics

Mass Operations

Translation CSV

Database Tables

Branding

No logo uploaded

Upload Logo (PNG/JPG/SVG, max 2 MB)

System Users

Sidebar Navigation Visibility

Control which sidebar menu items are visible to each user role. Changes take effect on the next login.

Back Office Tab Configuration

Control which Back Office tabs are visible for each role, and the display order. Drag rows or use arrows to reorder.

Contact Leads

Leads captured from the landing page contact form.

Financial Advisor Suite

11 Financial Calculators

Role-Based Access

Audit & Compliance

Client Context

Session Summary

Past Saved Calculations

👋 Almost there — one more step!

Wage Tax Calculator (Lohnsteuer 2025)

Pension Gap (Versorgungslücke)

Basisrente (Rürup) Forecast

Asset & Liability Overview

Budget Planning (Haushaltsplan)

Income Protection (Arbeitskraftsicherung)

Child Provision (Kindervorsorge)

Monte Carlo Simulation

Retirement Age Optimizer (GRV)

Tax Bracket Projector

Estate Planning (Erbschaftsteuer)

Booking

Consultation Log

Session Timeline + New Session

Service-Check

Back Office

My Households + Add

My Clients + Add

My Calculation History 🔄 Refresh

System Users + Add User

Calculator Settings

Benefit Trigger Rules

GDPR / Datenschutz

Translations / Übersetzungen + Add Language

Supervisor Management

Auto-Assignment Rules + Add Rule

Calculation History

SuperAdmin Console

System Statistics

Mass Operations

Translation CSV

Database Tables

Branding

System Users + Add User

Sidebar Navigation Visibility

Back Office Tab Configuration

Contact Leads

Terms of Usage

Session Timeline

My Households

My Clients

My Calculation History

System Users

Translations / Übersetzungen

Auto-Assignment Rules

System Users