Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
buy-or-not.de is a German-language financial decision calculator website focused on economic calculations for investment, retirement planning, and household asset allocation. The current text shows that it already offers three types of calculators: real estate investment, retirement savings portfolios, and PV solar systems. It also plans to add modules such as buying vs. renting, heat pumps, car leasing, and regular investments in stock funds. The site also clearly states that all calculators are for reference only and do not replace personalized financial advice.
The real estate calculator is designed for rental properties and supports AfA depreciation models, break-even analysis, a fixed 42% speculation tax, sales scenario calculations, and the generation of a complete 20-year cash flow table with Excel export. The retirement savings portfolio calculator includes Monte Carlo simulations, subsidy calculations, inflation-indexed pensions, maturity management, and subsidy comparisons. The PV solar calculator is relatively complex, using stochastic yield analysis and a Hidden Markov weather model to run hourly simulations across 600 weather years. It supports parameters such as battery storage, seasonal electricity prices, zero feed-in, multiple roof surfaces, orientation, and shading, and outputs economic metrics such as NPV / IRR.
The crawled content does not mention plans, subscription pricing, paywalls, enterprise editions, or trial information, so it is not possible to determine whether it is a commercial SaaS product or confirm available payment methods. At present, it appears more like a collection of publicly accessible web tools.
The advantages are that its scenarios closely match real financial decisions faced by German users, covering local parameters such as German postal codes, BEG subsidies, AfA depreciation, speculation tax, and feed-in tariffs. Its modeling depth is also stronger than that of ordinary static calculators. The downside is that common enterprise software capabilities are largely undisclosed, including account systems, team collaboration, permission management, third-party integrations, APIs, data security compliance, and deployment options. At the same time, several modules are still in the planning stage, so the current usable scope is limited.
It is better suited for individual investors in Germany, property owners, households planning to install solar PV/batteries, and users who want to make preliminary quantitative comparisons before major financial decisions. It is less suitable as an enterprise-level financial planning platform or a collaborative SaaS system for advisory firms.
The text does not provide information about accessibility, so it is not possible to determine whether it can be accessed directly from mainland China. Marked as unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on buy-or-not.de official site.
buy-or-not.de is an Germany Finance provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Workable. Click "Visit Official Site" to reach buy-or-not.de directly.