Snowballr provides financial education, not investment advice. Verify any advisor on FINRA BrokerCheck.
Snowballr
More
RatgeberGeld schützenSzenarienAuf Ihrer Seite einbetten
Free · No sign-up required
☰

Lernzentrum

Alles, was wir über Geldanlage, Schulden, Rente und Geld-Schutz wissen — geordnet nach dem, was du erreichen willst.

Anlage-Grundlagen

Wie Zinseszins funktioniert, wo du dein Geld anlegst, und warum Zeit im Markt das Markt-Timing schlägt.

Rechner
Compound interest calculator
Run any scenario with monthly contributions and see year-by-year growth.
Leitfaden
Investing 101
Stocks vs bonds, index funds, brokerage accounts — the foundation explained.
Leitfaden
The power of compound interest
Why $100/month at 25 beats $200/month at 35.
Leitfaden
Rule of 72
How long it takes your money to double at any rate.
Leitfaden
DCA vs lump sum
Which strategy actually wins in the long run, and which feels safer.
Vergleich
Cost of waiting 5 years
$252,000 difference over a 35-year horizon — see the numbers.

Rente & finanzielle Unabhängigkeit

Vorsorge-Typen (gesetzlich/bAV/Rürup/Riester), die 4%-Regel, Zielzahlen pro Alter und die Mathematik der Frührente.

Rechner
Retirement calculator
Your FI number using the 4% rule and your real expenses.
Rechner
RMD calculator
Required Minimum Distribution at age 73+ using IRS Uniform Lifetime Table.
Rechner
Social Security claim age estimator
Compare claiming at 62 vs 67 vs 70 with official SSA formulas.
Rechner
Mutual fund fee analyzer
How a 1% expense ratio costs 25%+ of your retirement balance.
Vergleich
401(k) vs Roth IRA
Side-by-side numbers with employer match factored in.
Leitfaden
How much do I need to retire?
The 25× rule applied to your real expenses.
Leitfaden
2026 contribution limits
401(k), IRA, HSA, FSA, 529 limits and catch-up rules.
Leitfaden
Backdoor Roth IRA
How high earners still access Roth tax treatment legally.
Leitfaden
Sequence of returns risk
Why early retirement years matter most — and how to protect them.

Schulden tilgen

Schneeball vs Lawine, der Break-even, ab dem Investieren gewinnt, und Strategien gegen Dispo- und Konsumkredit-Zinsen.

Rechner
Debt snowball calculator
Multi-debt payoff with snowball or avalanche method.
Vergleich
Pay off debt or invest?
By interest rate: when payoff wins, when investing wins.
Leitfaden
Snowball vs avalanche
Math vs behavior — which method actually finishes faster for you.
Szenario
Pay off $50K credit card debt
Concrete plans by income level and time horizon.
Leitfaden
Snowball method explained
Why behavior beats math for most multi-debt situations.

Sparen & Notgroschen

Wie viel sparen, wo aufbewahren (Tagesgeld mit EU-Einlagensicherung) und die Reihenfolge zu Karrierebeginn.

Rechner
Savings goal calculator
Monthly amount needed for any timeline and target.
Rechner
College savings analyzer
Will your 529 cover 4 years of tuition? Coverage gap and monthly fix.
Vergleich
Emergency fund vs investing
The 2-account answer — both, in this order.
Leitfaden
How much emergency fund?
3 vs 6 vs 9 months — picking for your situation.
Leitfaden
Best HYSA rates 2026
Where to park cash and earn 4-5% with FDIC insurance.
Leitfaden
How to invest $10,000
Step-by-step priority order for a windfall or savings.

Kredite & Wohnen

Baufinanzierung (Zinsbindung/Sondertilgung), BAföG/KfW, Autokredit — Gesamtkosten, Laufzeit und Anschlussfinanzierung.

Rechner
Mortgage calculator
Monthly payment, total interest, extra-payment savings.
Rechner
Student loan calculator
Federal vs private strategy, payoff timeline, refinancing.
Rechner
Car loan calculator
Term-length impact and the upside-down risk.
Leitfaden
15-year vs 30-year mortgage
Total interest, payment, and which fits your cash flow.
Leitfaden
Pay off mortgage or invest?
When the rate makes the math; when peace of mind wins.
Leitfaden
Student loans or invest?
Federal vs private nuance and the 401(k)-match rule.

Betrugs-Schutz

Wie du jeden Berater verifizierst (BaFin), die häufigsten Anlagebetrugs-Maschen in Deutschland (Phoenix, S&K, OneCoin) und was zu tun ist, wenn du betroffen bist.

Schutz
Protect your money
Red flags, common scams, the 60-second checklist.
Schutz
Verify a financial advisor
3-step guide to FINRA, SEC IAPD, and state regulators.
Schutz
Ponzi schemes explained
Madoff, Stanford, OneCoin — how they work and how to spot them.
Schutz
Pig butchering scams
$4.6B lost in 2023 — the romance-investment trap.
Schutz
Recovery scams
Why fraud victims get targeted a second time.

Teste dein Wissen

Kostenlose Quizze mit sofortigem Feedback und Erklärungen. Ohne Anmeldung.

Quiz
Investing basics quiz
8 questions on compound, index funds, fees, diversification.
Quiz
Scam-spotting quiz
7 questions on Ponzi flags, phishing, advisor verification.
Quiz
Retirement readiness quiz
7 questions on 4% rule, 401(k) match, Roth vs Traditional, RMDs.