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Transparency4

Transparency tools for government and administration.

All tools
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Bracket Creep Calculator

Simulate bracket creep over multiple years: How much of your raise does progressive taxation eat? Marginal rate visualization, Grundfreibetrag history 2015-2026, break-even analysis. Official BMF tax formulas (§ 32a EStG). Plus feature.

Plus

Health Insurance Value Check

Compare 12+ German statutory health insurers (GKV) by supplementary rate, extras, and value score. GKV vs PKV decision helper with premium projections, family coverage analysis, and switching calculator. Legal references: §§5-10, 11-68, 175, 220-241 SGB V.

Plus

Lifetime Contributions

Calculate your total social insurance contributions over your career: health, pension, care, and unemployment insurance. With employer share, pension points, ROI comparison, and 2026 contribution ceilings.

Plus

Tax Per Second

Watch in real-time how much tax you pay per second. Income tax, Soli, church tax, social insurance, VAT - fully broken down. Tax Freedom Day, comparison profiles, Recharts charts. Plus feature.