SparProfit
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About this app
With the SparProfit app, users can calculate their final net worth, interest, applicable taxes, and return on their one-time investment (fixed-term deposit style).
The input parameters—investment date, investment amount, interest rate, term (1 to 240 months), interest payment date, interest payment method (interest payment or compound interest), and tax regulations such as the 25% withholding tax levied by the bank, a personal tax rate, and, if applicable, church tax—determine the net worth at the end of the term.
In addition to a one-time investment, regular savings installments (amount, first installment date, and intervals between installments) can also be entered (savings plans) and included in the calculations (including optional tax considerations).
The app also allows users to enter regular savings installments (amount, first installment date, and intervals between installments) and incorporate them into the calculations. In addition to interest, return, taxes, and final assets, the bank's profit (margin in € and % p.a.) is also shown, calculated using the present value market interest rate method and incorporating the current interest rate structure of the German Federal Bank as a neutral benchmark.
This allows the bank customer to exert greater influence on the terms and conditions (interest rate, interest calculation methods, term) based on their personal tax situation, which can lead to a higher final asset value and return at the end of the term.
A detailed account plan with all investment input data, including interest days, interest and tax amounts, account balances by date, and the bank's margin statement at the time of the offer, based on the applicable interest rate structure, provides a comprehensive overview throughout the entire fixed interest period.
Completed calculations can be saved in an archive under a user-defined name (with automatic addition of important calculation parameters) and accessed directly at a later time.
Furthermore, SparProfit💰 allows you to share your account plan and interest rate structure separately and completely in HTML (for web browsers 🌍) and CSV formats for spreadsheets 🧮 (Excel, LibreCalc, etc.) or word processing 📝 for further editing/viewing 📤, save it locally as a file 💾, or send it by email 📧. This way, the complete calculation can also be made accessible to other people or your bank (transparency of the calculations performed).
... 🌟Highlights of the SparProfit App💰:
▪️Comparison program for the customer 😉
▪️Calculation basis: Interest rate structure 📈📉 of the German Federal Bank for mortgage bonds according to the bank's offer date
▪️Calculation of margin present value and interest margin 🧮
▪️Set a target value ✏️ (interest rate, interest, final capital, and margin present value) that will be the result of a calculation. For example, if the final capital is specified, the necessary interest rate will be adjusted to achieve this final capital.
▪️Set a target value ✏️ (interest rate, interest, final capital, and margin present value) that will be calculated. = Principle of the interchangeable solution 😉
▪️Tips for improving the offer 📝
▪️Day-accurate 📅 investment plan 📊 with detailed proof of profit calculation 💰💸
▪️Save 💾, load 📂 to archive 🗄️, and share 📤 the investment calculations, or in HTML and CSV format for printing or as proof to your bank as a basis for negotiating better investment conditions (higher interest rate)
▪️No collection of personal user data
▪️Minimal permissions required to download interest rate data from the German Federal Bank and to share/send the completed calculations:
- ACCESS_NETWORK_STATE
- INTERNET
- READ_EXTERNAL_STORAGE
▪️No annoying ads or video pop-ups 🙂
▪️Look forward to future developments 💡with new features ⚙️🔧...
⚠️No liability is assumed for the accuracy of calculations and results using the SparProfit app 💰.
SparProfit 💰 runs on smartphones and tablets 📱 from Android 7.0 to Android 15
(≙ Nougat = Android API 24 to API 35) with a recommended screen resolution of 1920x1080 (full HD).
Have fun with SparProfit 💰!
Project Team: Volker Erich Sachs & Dr. Christian Sievi 😉👍🏼
The input parameters—investment date, investment amount, interest rate, term (1 to 240 months), interest payment date, interest payment method (interest payment or compound interest), and tax regulations such as the 25% withholding tax levied by the bank, a personal tax rate, and, if applicable, church tax—determine the net worth at the end of the term.
In addition to a one-time investment, regular savings installments (amount, first installment date, and intervals between installments) can also be entered (savings plans) and included in the calculations (including optional tax considerations).
The app also allows users to enter regular savings installments (amount, first installment date, and intervals between installments) and incorporate them into the calculations. In addition to interest, return, taxes, and final assets, the bank's profit (margin in € and % p.a.) is also shown, calculated using the present value market interest rate method and incorporating the current interest rate structure of the German Federal Bank as a neutral benchmark.
This allows the bank customer to exert greater influence on the terms and conditions (interest rate, interest calculation methods, term) based on their personal tax situation, which can lead to a higher final asset value and return at the end of the term.
A detailed account plan with all investment input data, including interest days, interest and tax amounts, account balances by date, and the bank's margin statement at the time of the offer, based on the applicable interest rate structure, provides a comprehensive overview throughout the entire fixed interest period.
Completed calculations can be saved in an archive under a user-defined name (with automatic addition of important calculation parameters) and accessed directly at a later time.
Furthermore, SparProfit💰 allows you to share your account plan and interest rate structure separately and completely in HTML (for web browsers 🌍) and CSV formats for spreadsheets 🧮 (Excel, LibreCalc, etc.) or word processing 📝 for further editing/viewing 📤, save it locally as a file 💾, or send it by email 📧. This way, the complete calculation can also be made accessible to other people or your bank (transparency of the calculations performed).
... 🌟Highlights of the SparProfit App💰:
▪️Comparison program for the customer 😉
▪️Calculation basis: Interest rate structure 📈📉 of the German Federal Bank for mortgage bonds according to the bank's offer date
▪️Calculation of margin present value and interest margin 🧮
▪️Set a target value ✏️ (interest rate, interest, final capital, and margin present value) that will be the result of a calculation. For example, if the final capital is specified, the necessary interest rate will be adjusted to achieve this final capital.
▪️Set a target value ✏️ (interest rate, interest, final capital, and margin present value) that will be calculated. = Principle of the interchangeable solution 😉
▪️Tips for improving the offer 📝
▪️Day-accurate 📅 investment plan 📊 with detailed proof of profit calculation 💰💸
▪️Save 💾, load 📂 to archive 🗄️, and share 📤 the investment calculations, or in HTML and CSV format for printing or as proof to your bank as a basis for negotiating better investment conditions (higher interest rate)
▪️No collection of personal user data
▪️Minimal permissions required to download interest rate data from the German Federal Bank and to share/send the completed calculations:
- ACCESS_NETWORK_STATE
- INTERNET
- READ_EXTERNAL_STORAGE
▪️No annoying ads or video pop-ups 🙂
▪️Look forward to future developments 💡with new features ⚙️🔧...
⚠️No liability is assumed for the accuracy of calculations and results using the SparProfit app 💰.
SparProfit 💰 runs on smartphones and tablets 📱 from Android 7.0 to Android 15
(≙ Nougat = Android API 24 to API 35) with a recommended screen resolution of 1920x1080 (full HD).
Have fun with SparProfit 💰!
Project Team: Volker Erich Sachs & Dr. Christian Sievi 😉👍🏼
Updated on
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No data shared with third parties
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No data collected
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What’s new
SparProfit💰 💡 N E U 💡 Stand Mo 20.04.2026
2.02 - 2.12: Daten-Import *.sp-Datei, Vorgabe Zinsmarge %, separate Sparform-Dialoge
1.36: negative Raten für Auszahlpläne
- kleinere Korrekturen ⚙️🔧
1.34:
- Weiterentwicklung der App SPAREN 💰 (+ Margenberechnung)
- regelmäßige SparRaten, CSV-Export
- Vorgabewerte setzen (Zinssatz, Zinsen, Endkapital und Margen-Barwert)
- Anlage Plan teilen 📤
- Archiv 🗃️: Laden 📂 und Speichern 💾 von Berechnungen
- minimale Android-Version auf 7.0 (Nougat) 🤖
2.02 - 2.12: Daten-Import *.sp-Datei, Vorgabe Zinsmarge %, separate Sparform-Dialoge
1.36: negative Raten für Auszahlpläne
- kleinere Korrekturen ⚙️🔧
1.34:
- Weiterentwicklung der App SPAREN 💰 (+ Margenberechnung)
- regelmäßige SparRaten, CSV-Export
- Vorgabewerte setzen (Zinssatz, Zinsen, Endkapital und Margen-Barwert)
- Anlage Plan teilen 📤
- Archiv 🗃️: Laden 📂 und Speichern 💾 von Berechnungen
- minimale Android-Version auf 7.0 (Nougat) 🤖
