SPAREN
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About this app
With the help of the SPAREN💰 app, the user determines his final assets, the interest, applicable taxes and the return from his one-off capital investment 💶 (fixed-term deposit character).
The input parameters determine the investment date, investment amount, interest rate, term (1 to 240 months), interest date, interest mode (interest payment or interest credit = interest interest) as well as tax requirements such as the 25% withholding tax by the bank 🏦 or a personal tax rate and, if applicable, church tax ⛪ the capital assets at the end of the term.
In addition to a one-off investment 💶, regular savings installments 🪙 (amount, date of 1st installment and interval between installments) can also be entered (savings plans) and included in the calculations (including optional tax consideration).
In addition to interest, returns, taxes and final assets, the bank's income (margin in € and % p.a.) is also shown as a neutral benchmark using the present value market interest rate method, taking into account the current interest rate structure 📈📉 of the Deutsche Bundesbank.
This enables the bank customer to have greater influence on the conditions (interest rate, interest calculation modalities, term) due to their personal tax situation with the bank, which can certainly lead to greater final assets and returns at the end of the term.
A detailed account plan with all input data for the investment as well as interest days, interest and tax amounts, capital balances by date and proof of margin from the bank at the time of the offer according to the valid interest structure provide a detailed overview throughout the entire interest rate determination process.
Executed calculations can be saved 💾 in an archive 🗃️ under a name of your choice (with important calculation parameters automatically added) and opened again directly 📂 at a later date.
SPAREN💰 also allows you to share the account plan and the interest rate structure separately and completely in HTML (for WebBrowser 🌍) and CSV format for spreadsheets 🧮 (Excel, LibreCalc, etc.) or text processing 📝 for further editing/viewing 📤, saving locally as a file 💾 or sending by email 📧. This means that the complete calculation can also be made accessible to other people or the house bank (transparency of the calculations carried out).
🌟Highlights of the SPAREN💰 app with the following features:
▪️Comparison program for the customer 😉
▪️Calculation basis: Interest rate structure 📈📉 of the Deutsche Bundesbank for Pfandbriefe according to the bank's offer date
▪️Calculation of margin present value and interest margin 🧮
▪️New from version 1.02 is a default value ✏️ (interest rate, interest, final capital and margin present value), which is the result of a calculation. For example, if the final capital is specified, the interest rate required for this is adjusted so that it leads to this final capital.
= Principle of interchangeable solution 😉
▪️Tips to improve the offer 📝
▪️daily accurate 📅 investment plan 📊 with detailed proof of the profit calculation 💰💸
▪️Save 💾, load 📂 in archive🗄️and share 📤the investment calculations or in html and CSV format for printing or proof to your bank as a basis for negotiation for better investment conditions (higher interest rate)
▪️no collection of personal user data
▪️Minimum permissions to download interest data from the Deutsche Bundesbank and to share/send the calculations carried out:
- ACCESS_NETWORK_STATE
- INTERNET
- READ_EXTERNAL_STORAGE
▪️no annoying advertising or video displays 🙂
▪️Look forward to future developments 💡with new features ⚙️🔧...
⚠️No liability is assumed for the mathematical accuracy of the calculations and results using the SPAREN💰 app.
SAVE💰 runs on smartphones and tablets📱 equally from Android 7.0
(≙ Nougat = Android API 24) with recommended screen resolution 1920*1080 (full HD).
Have fun with SAVE💰
Project team Volker Erich Sachs & Dr. Christian Sievi 😉👍🏼
The input parameters determine the investment date, investment amount, interest rate, term (1 to 240 months), interest date, interest mode (interest payment or interest credit = interest interest) as well as tax requirements such as the 25% withholding tax by the bank 🏦 or a personal tax rate and, if applicable, church tax ⛪ the capital assets at the end of the term.
In addition to a one-off investment 💶, regular savings installments 🪙 (amount, date of 1st installment and interval between installments) can also be entered (savings plans) and included in the calculations (including optional tax consideration).
In addition to interest, returns, taxes and final assets, the bank's income (margin in € and % p.a.) is also shown as a neutral benchmark using the present value market interest rate method, taking into account the current interest rate structure 📈📉 of the Deutsche Bundesbank.
This enables the bank customer to have greater influence on the conditions (interest rate, interest calculation modalities, term) due to their personal tax situation with the bank, which can certainly lead to greater final assets and returns at the end of the term.
A detailed account plan with all input data for the investment as well as interest days, interest and tax amounts, capital balances by date and proof of margin from the bank at the time of the offer according to the valid interest structure provide a detailed overview throughout the entire interest rate determination process.
Executed calculations can be saved 💾 in an archive 🗃️ under a name of your choice (with important calculation parameters automatically added) and opened again directly 📂 at a later date.
SPAREN💰 also allows you to share the account plan and the interest rate structure separately and completely in HTML (for WebBrowser 🌍) and CSV format for spreadsheets 🧮 (Excel, LibreCalc, etc.) or text processing 📝 for further editing/viewing 📤, saving locally as a file 💾 or sending by email 📧. This means that the complete calculation can also be made accessible to other people or the house bank (transparency of the calculations carried out).
🌟Highlights of the SPAREN💰 app with the following features:
▪️Comparison program for the customer 😉
▪️Calculation basis: Interest rate structure 📈📉 of the Deutsche Bundesbank for Pfandbriefe according to the bank's offer date
▪️Calculation of margin present value and interest margin 🧮
▪️New from version 1.02 is a default value ✏️ (interest rate, interest, final capital and margin present value), which is the result of a calculation. For example, if the final capital is specified, the interest rate required for this is adjusted so that it leads to this final capital.
= Principle of interchangeable solution 😉
▪️Tips to improve the offer 📝
▪️daily accurate 📅 investment plan 📊 with detailed proof of the profit calculation 💰💸
▪️Save 💾, load 📂 in archive🗄️and share 📤the investment calculations or in html and CSV format for printing or proof to your bank as a basis for negotiation for better investment conditions (higher interest rate)
▪️no collection of personal user data
▪️Minimum permissions to download interest data from the Deutsche Bundesbank and to share/send the calculations carried out:
- ACCESS_NETWORK_STATE
- INTERNET
- READ_EXTERNAL_STORAGE
▪️no annoying advertising or video displays 🙂
▪️Look forward to future developments 💡with new features ⚙️🔧...
⚠️No liability is assumed for the mathematical accuracy of the calculations and results using the SPAREN💰 app.
SAVE💰 runs on smartphones and tablets📱 equally from Android 7.0
(≙ Nougat = Android API 24) with recommended screen resolution 1920*1080 (full HD).
Have fun with SAVE💰
Project team Volker Erich Sachs & Dr. Christian Sievi 😉👍🏼
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
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What’s new
SPAREN💰 💡 N E U 💡 Stand 30.07.2025
1.04 - 1.22 : regelmäßige SparRaten, CSV-Export, Korrekturen ⚙️🔧
1.02:
- Vorgabewerte setzen (Zinssatz, Zinsen, Endkapital und Margen-Barwert)
- Ergebnis-Anzeige angepasst
0.34ß:
- Korrekturen
- Aufbereitung der Zinsstruktur-Daten 📈📉
- Optimierung Download Zinsstruktur-Daten der Deutschen Bundesbank
- Anlage Plan teilen 📤
- Archiv 🗃️: Laden 📂 und Speichern 💾 von Berechnungen
- minimale Android-Version auf 7.0 (Nougat = API-Level 24) 🤖
1.04 - 1.22 : regelmäßige SparRaten, CSV-Export, Korrekturen ⚙️🔧
1.02:
- Vorgabewerte setzen (Zinssatz, Zinsen, Endkapital und Margen-Barwert)
- Ergebnis-Anzeige angepasst
0.34ß:
- Korrekturen
- Aufbereitung der Zinsstruktur-Daten 📈📉
- Optimierung Download Zinsstruktur-Daten der Deutschen Bundesbank
- Anlage Plan teilen 📤
- Archiv 🗃️: Laden 📂 und Speichern 💾 von Berechnungen
- minimale Android-Version auf 7.0 (Nougat = API-Level 24) 🤖
App support
About the developer
Volker Erich Sachs
enrico.appy@gmail.com
Germany
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