OVB Financial Advisor Suite

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 East Germany Located in Saxony

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) Max Deductible Limit (Married) 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 (€)

Back Office

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

Role-based

Advisor Workspace

Authentication

Client Context

Session Summary

Financial Timeline

Wage Tax Calculator (Lohnsteuer 2025)

Pension Gap (Versorgungslücke)

Basisrente (Rürup) Forecast

Asset & Liability Overview

Budget Planning (Haushaltsplan)

Income Protection (Arbeitskraftsicherung)

Child Provision (Kindervorsorge)

Back Office

My Households

My Clients

System Users

Authentication

Client Context

Session Summary

Financial Timeline

Wage Tax Calculator (Lohnsteuer 2025)

Pension Gap (Versorgungslücke)

Basisrente (Rürup) Forecast

Asset & Liability Overview

Budget Planning (Haushaltsplan)

Income Protection (Arbeitskraftsicherung)

Child Provision (Kindervorsorge)

Back Office

My Households + Add

My Clients + Add

System Users + Add User

My Households

My Clients

System Users