SPAREN
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About this app
With the SPAREN💰 app, users can calculate their final net worth, interest, applicable taxes, and return on their one-time investment 💶 (fixed-term deposit type).
The input parameters—investment date, investment amount, interest rate, term (1 to 240 months), interest payment date, interest payment method (interest payment or interest credit = compound interest), and tax regulations such as the 25% withholding tax by the bank 🏦 or 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, date of first installment, and intervals between installments) can be entered (savings plans), or payout installments can be displayed for payout plans.
A detailed, day-by-day account statement with all investment data, interest days, interest and tax amounts, and account balances by date 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 opened directly 📂 again at a later time.
Furthermore, SPAREN💰 allows you to share your account plan 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).
In addition, SPAREN💰 allows you to share your account plan separately and completely in HTML (for web browsers 🌍) and CSV formats for spreadsheets 🧮 (Excel, LibreCalc, etc.) or word processing programs 📝 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).
Furthermore, SPAREN💰 allows you to share your account plan separately and completely in HTML (for web browsers 🌍) and CSV formats for spreadsheets 🧮 (Excel, LibreCalc, etc.) or word processing programs 📝 for further editing/viewing 📤, save it locally as a file 💾, or send it by email 📧. 🌟Highlights of the SAVINGS app💰 with the following features:
▪️Comparison program for the customer 😉
▪️New from version 1.02 is a default value ✏️ (interest rate, interest, final capital) that is the result of a calculation. For example, if the final capital is specified, the necessary interest rate is adjusted so that it results in this final capital.
= Principle of the interchangeable solution 😉
▪️Day-accurate 📅 investment plan 📊 with detailed documentation of wealth accumulation 💰💸
▪️Save 💾, upload 📂 to archive 🗄️, and share 📤 the 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
▪️Minimum permissions:
- ACCESS_NETWORK_STATE
- INTERNET
- READ_EXTERNAL_STORAGE
Internet access is required for:
- Accessing the Google Play Store,
- Viewing the project team's homepage, and
- Sharing/sending the completed calculations Calculations:
▪️No annoying ads or video pop-ups 🙂
▪️Look forward to future developments 💡with new features ⚙️🔧...
⚠️No liability is assumed for the accuracy of the calculations and results performed using the SPAREN💰 app.
SPAREN💰 runs on smartphones and tablets 📱 with Android 7.0 and later (≙ Nougat = Android API 24) with a recommended screen resolution of 1920x1080 (full HD).
Have fun with SPAREN💰!
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 interest credit = compound interest), and tax regulations such as the 25% withholding tax by the bank 🏦 or 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, date of first installment, and intervals between installments) can be entered (savings plans), or payout installments can be displayed for payout plans.
A detailed, day-by-day account statement with all investment data, interest days, interest and tax amounts, and account balances by date 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 opened directly 📂 again at a later time.
Furthermore, SPAREN💰 allows you to share your account plan 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).
In addition, SPAREN💰 allows you to share your account plan separately and completely in HTML (for web browsers 🌍) and CSV formats for spreadsheets 🧮 (Excel, LibreCalc, etc.) or word processing programs 📝 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).
Furthermore, SPAREN💰 allows you to share your account plan separately and completely in HTML (for web browsers 🌍) and CSV formats for spreadsheets 🧮 (Excel, LibreCalc, etc.) or word processing programs 📝 for further editing/viewing 📤, save it locally as a file 💾, or send it by email 📧. 🌟Highlights of the SAVINGS app💰 with the following features:
▪️Comparison program for the customer 😉
▪️New from version 1.02 is a default value ✏️ (interest rate, interest, final capital) that is the result of a calculation. For example, if the final capital is specified, the necessary interest rate is adjusted so that it results in this final capital.
= Principle of the interchangeable solution 😉
▪️Day-accurate 📅 investment plan 📊 with detailed documentation of wealth accumulation 💰💸
▪️Save 💾, upload 📂 to archive 🗄️, and share 📤 the 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
▪️Minimum permissions:
- ACCESS_NETWORK_STATE
- INTERNET
- READ_EXTERNAL_STORAGE
Internet access is required for:
- Accessing the Google Play Store,
- Viewing the project team's homepage, and
- Sharing/sending the completed calculations Calculations:
▪️No annoying ads or video pop-ups 🙂
▪️Look forward to future developments 💡with new features ⚙️🔧...
⚠️No liability is assumed for the accuracy of the calculations and results performed using the SPAREN💰 app.
SPAREN💰 runs on smartphones and tablets 📱 with Android 7.0 and later (≙ Nougat = Android API 24) with a recommended screen resolution of 1920x1080 (full HD).
Have fun with SPAREN💰!
Project Team: Volker Erich Sachs & Dr. Christian Sievi 😉👍🏼
SPARES calculates final assets, interest, tax and return on an investment
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 partiesLearn more about how developers declare sharing
- No data collectedLearn more about how developers declare collection
What’s new
SPAREN💰 💡 N E U 💡 Stand Mi 17.12.2025
1.40 Button zu Google Play 📱
1.36 - 1.38: neue Anordung der Felder
1.34 : negative, Raten für Auszahlpläne mit Anfangsvermögen
1.04 - 1.32 : regelmäßige SparRaten, CSV-Export
1.02:
- Vorgabewerte setzen (Zinssatz, Zinsen, Endkapital und künftig die Rate)
- Ergebnis-Anzeige angepasst
0.34ß:
- Korrekturen
- Anlage Plan teilen 📤
- Archiv 🗃️: Laden 📂 und Speichern 💾 von Berechnungen
- minimale Android-Version auf 7.0 (Nougat = API-Level 24) 🤖
1.40 Button zu Google Play 📱
1.36 - 1.38: neue Anordung der Felder
1.34 : negative, Raten für Auszahlpläne mit Anfangsvermögen
1.04 - 1.32 : regelmäßige SparRaten, CSV-Export
1.02:
- Vorgabewerte setzen (Zinssatz, Zinsen, Endkapital und künftig die Rate)
- Ergebnis-Anzeige angepasst
0.34ß:
- Korrekturen
- Anlage Plan teilen 📤
- Archiv 🗃️: Laden 📂 und Speichern 💾 von Berechnungen
- minimale Android-Version auf 7.0 (Nougat = API-Level 24) 🤖
