Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
The AVD-Rechner from finanzberater.software is a vertical pension advisory SaaS tool for financial advisors in Germany, focused on the 2027 German Altersvorsorge-Depot (AVD) reform. It is used in client meetings to compare AVDs, free ETF accounts, and fund-based annuity insurance, as well as to evaluate options for handling existing Riester contracts.
At its core is a regulation-driven calculation engine, explicitly stated to be implemented according to rules such as §84 EStG, §85 EStG, §86 EStG, and §1 AltZertG n.F. The full version supports detailed subsidy breakdowns, tax splits, year-by-year calculations for the retirement payout phase, the 30% partial capital payout cap, inflation adjustments, return variations, and market downturn scenario simulations. The Riester portfolio comparison module can display three paths side by side: keeping the old contract, switching to the new subsidy with the original provider, or transferring into an AVD. It also provides final value, monthly pension, subsidy rate, and warnings. For output, the tool can generate client PDFs with the advisor’s name and phone number in the footer, supporting either a one-page summary or full charts and annual tables.
Pricing is based on a one-time purchase rather than a subscription. It is B2B-only, with licenses valid until December 31, 2028 and updates included during that period. Solo costs €97, Team €197, Business €397, Enterprise S €697, and Enterprise M €1,297, all plus statutory VAT. The page offers an online demo, but its functionality is clearly limited and it is not equivalent to a free version.
The advantages are its extremely clear positioning, transparent legal basis, complete advisory delivery workflow, and basic management capabilities in the team version, such as separate logins, seat allocation, domain restrictions, and abuse protection. The drawbacks are that its scope is very narrow and almost exclusively suited to German pension-related financial advice; the Riester comparison is still in beta; it does not disclose API access, third-party integrations, self-hosting, or enterprise-grade compliance certifications; and there is no commitment regarding renewal after the license period ends.
It is suitable for German insurance brokers, banks, financial sales organizations, and pension consultants. It is not suitable for general financial planning or domestic Chinese business. The text does not specify website accessibility from China, so this is considered 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 finanzberater.software official site.
finanzberater.software is an Germany Finance provider. TG4G tracks its product information, with monthly pricing from $97.00, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach finanzberater.software directly.