Terms of Service
General conditions for using WealthBuild.ing
Last updated: June 28, 2026
These terms of service apply to the use of the WealthBuild.ing website (hereinafter "Website" or "Platform") and all calculators, tools, and functions offered therein (hereinafter "Services"). By using this website, you legally agree to these terms. If you do not agree with these terms, use of the website is prohibited.
WealthBuild.ing provides free and paid online calculators and tools for financial, tax, and economic calculations, including:
- Pension Calculator for Germany, Austria, and Switzerland (3-pillar system, Monte Carlo simulation)
- Property Tax Calculator with automatic determination of land values and tax rates
- Swiss tax comparison for income, wealth and withholding tax. Includes interactive map
- Compound Interest Calculator
- Loan and Amortization Calculator
- Hourly Wage and Salary Comparison Calculator (30+ countries)
- VAT Calculator
- Business Tax Calculator, Commercial Property Tax Calculator
- Cash Discount Calculator
- Percentage Calculator
- other financial calculators and tools
These services are provided EXCLUSIVELY for informational purposes and do not constitute any form of advisory service.
This website may contain affiliate links and product comparisons to help finance our free services.
Affiliate Links
Some links on our website may be affiliate links. When you click on these links and make a purchase or sign up for a service, we may receive a commission from the provider at no additional cost to you.
Product Comparisons
We may display comparisons of financial products such as insurance, brokers, and banks. These comparisons are provided for informational purposes and may include affiliate relationships. We strive to present objective and helpful information regardless of any commercial relationships.
No Tracking Cookies
Unlike many websites, we do not use tracking cookies or advertising pixels. Affiliate relationships are disclosed transparently and do not affect your privacy on our website.
The presence of affiliate links or product comparisons does not constitute a recommendation or endorsement. Always conduct your own research before making financial decisions.
4.1 No Advisory Services - Legal Delineation
The information, calculations, and tools provided explicitly do NOT constitute any of the following legally regulated advisory services:
- Financial or investment advice within the meaning of applicable financial services regulations. We do not broker financial investments, provide investment recommendations, or render investment advice.
- Tax advice within the meaning of applicable tax advisory regulations. Our tax calculators (property tax, business tax, VAT) serve solely for rough orientation and do not replace individual advice from tax advisors, tax agents, or accountants.
- Legal advice within the meaning of applicable legal services regulations. For legal questions, please consult a licensed attorney.
- Insurance advice or brokerage within the meaning of applicable insurance regulations. We do not broker insurance products or provide insurance advice.
- Loan brokerage within the meaning of applicable credit regulations. Our loan and amortization calculator serves solely for non-binding example calculations. We do not broker loans or credit.
- Real estate brokerage services. We do not broker real estate.
Use of our services does not establish any advisory relationship of any kind. We do not provide individual advice and make no statements about the suitability of specific financial products, tax structures, or investment forms for your personal situation.
4.2 Requirement for Professional Advice
For legally binding information, individual decisions, and concrete recommendations, you MUST consult qualified professionals:
- Tax advisors, tax agents, accountants, or your competent tax authority for all tax questions and property tax assessments
- Financial advisors, investment advisors, wealth managers, or banks for investment and retirement decisions
- Attorneys or notaries for legal questions and contractual matters
- Banks, savings banks, or licensed financing advisors for credit and loan matters
- Insurance brokers or insurance advisors for insurance questions
- Pension authorities or corresponding institutions for binding pension information
WARNING: Financial, tax, and legal decisions can have significant economic consequences. Never make such decisions based solely on the calculations of this website. Every financial situation is individual and requires advice tailored to your personal circumstances, goals, and risk tolerance by qualified professionals.
4.3 Data Sources and Their Limitations
Our calculators use data from various publicly available sources:
- Statistical data from Eurostat, OECD, national statistical offices
- Tax data from land value information systems, municipal tax rate databases, public tax laws
- Financial market data, historical returns, interest rates from central banks
- Legal foundations from federal and state legislation, EU directives
Important Note on Data Quality:
IMPORTANT NOTE ON DATA QUALITY: Despite careful research and regular updates, this data may be outdated, incomplete, incorrect, or unsuitable for your specific situation. In particular: (1) Land values and tax rates are automatically retrieved from public sources and may differ from currently valid values. (2) Tax regulations change frequently and may apply retroactively. (3) Statistical average values are not a guarantee for individual developments. (4) Historical financial data is no guarantee for future developments.
For officially binding, legally reliable information, please ALWAYS contact the competent authorities and offices.
4.4 Simulations, Forecasts, and Future Scenarios - Special Risk Notices
Some of our calculators use complex simulation methods to forecast future developments:
Monte Carlo Simulations (Pension Calculator)
Our pension calculator uses Monte Carlo simulations with up to 10,000 scenarios to forecast possible wealth developments. WARNINGS: (1) These simulations are based exclusively on historical data and statistical assumptions about returns, volatilities, and correlations. (2) The past is NOT a reliable indicator of the future. Actual developments may differ SIGNIFICANTLY from forecasts. (3) Extreme scenarios (financial crises, crashes, hyperinflation, currency reforms) cannot be fully modeled. (4) Changes in tax laws, social systems, or economic frameworks are not predictable. (5) Personal risks (unemployment, illness, divorce) are not considered.
Pension Forecasts
Calculations for statutory pensions are based on: (1) Currently valid legal regulations, (2) Assumptions about future pension values and adjustments, (3) Assumptions about earnings points and insurance periods.
CRITICAL WARNING: The pension system is subject to significant political and demographic risks. Pension reforms, changes to retirement age, adjustments to the pension formula, changes to contribution rates or tax liability are possible at any time and not foreseeable. The actual pension amount may differ SIGNIFICANTLY from forecasts.
For binding pension information, contact exclusively: pension authorities in your country.
Interest and Loan Calculations
Calculations with fixed or variable interest rates: (1) Interest rates can change at any time and depend on many factors (central bank policy, inflation, individual creditworthiness). (2) Actual credit conditions may differ significantly from example calculations. (3) Information on effective annual interest rates are approximate values. (4) With variable interest rates, payment obligations can increase significantly.
Borrowing carries the risk of over-indebtedness. Inform yourself comprehensively and compare offers.
4.5 Tax Calculations - Special Limitations
All tax calculators (property tax, business tax, VAT) provide only rough, simplified estimates. CRITICAL LIMITATIONS: (1) Tax law is complex and changes frequently. (2) Individual facts, special cases, and exceptions are not captured. (3) Our calculators cannot recommend tax-optimal structures (this would be illegal tax advice without license). (4) Calculations do not replace proper determination and filing of taxes. (5) You or your tax advisor are solely responsible for the accuracy and completeness of tax returns and payments.
We are NOT liable for tax arrears, late payment surcharges, interest, or penalties arising from incorrect or incomplete calculations. For tax questions, ALWAYS consult a tax advisor or your tax authority.
4.6 Technical and Methodological Limitations
Our calculators are subject to technical and methodological limitations: (1) Simplifications are necessary to make calculations understandable and usable. (2) Complex individual facts cannot be fully represented. (3) Rounding errors and inaccuracies are possible. (4) Software may contain programming errors (bugs). (5) Legislative changes may be incorporated into calculations with delay.
You are responsible for verifying all inputs and critically evaluating all results. Always check results for plausibility by comparing with other sources or professional advice.
Use of this website and all services is expressly AT YOUR OWN RISK. We exclude liability for damages arising from the use or non-use of the information provided to the extent permitted by law:
Liability excluded for:
- Property damage: Financial losses, lost profits, wrong investments due to incorrect calculations, assumptions, or decisions
- Tax disadvantages: Tax arrears, late payment surcharges, interest, penalties due to incorrect tax calculations or late/incorrect tax returns
- Contractual disadvantages: Rejection of credit applications, unfavorable contract terms, contractual penalties due to incorrect calculations
- Consequential damages: Indirect damages, mediate damages, consequential damages of any kind
- Data loss: Loss of saved calculations or inputs due to technical failures
- Non-availability: Damages due to downtime, maintenance, or technical failures
Mandatory Liability:
Mandatory Liability: Unaffected by this disclaimer is mandatory statutory liability under product liability law as well as liability for damages to life, body, or health based on intentional or grossly negligent breach of duty on our part or our legal representatives or vicarious agents. The same applies to other damages based on intentional or grossly negligent breach of duty on our part or our legal representatives or vicarious agents.
In case of slightly negligent breach of essential contractual obligations (cardinal obligations), liability is limited in amount to the contract-typical, foreseeable damage. Otherwise, liability is excluded.
Burden of Proof: In case of dispute, the burden of proving the existence of intent or gross negligence lies with the injured user.
When using this website, you commit to the following conduct and assume the following responsibilities:
- Lawful use: To use the website only for lawful purposes and not to violate any laws, rights of third parties, or these terms of service.
- Correct inputs: To enter only truthful, complete, and current information. You are responsible for the accuracy of all inputs.
- Verification: To independently verify all calculation results for plausibility and to seek professional advice in case of doubt.
- No abuse: Not to abuse, overload, or automatically query the services (no scraping, no bots without permission).
- Security: Not to take any measures that could impair the security, functionality, or availability of the website (no hacking attempts, no injection of malware).
- No reverse engineering: Not to decompile, disassemble, or otherwise reconstruct any source code.
- Account security: If you create an account, you are responsible for keeping your credentials confidential. Inform us immediately of any unauthorized use.
- Professional advice: For important financial, tax, or legal decisions, always consult qualified professionals and not rely solely on our calculations.
Violations of these obligations may result in immediate blocking of your account and use of the website. We reserve the right to take legal action in case of serious violations.
When using our services as a white label solution or for commercial purposes, additional provisions apply:
- Own responsibility: White label customers are responsible for (1) legal compliance in their area of activity, (2) the existence of required regulatory approvals and licenses, (3) their own terms of service, disclaimers, and privacy policies, (4) correct labeling and disclaimers to end customers.
- Indemnification: White label customers indemnify WealthBuild.ing from all third-party claims arising from the use of our services by their end customers.
- License requirement: White label customers must ensure they have all required licenses to offer financial, tax, or investment advice if they use our tools in an advisory context.
- Separate agreement: For white label use and API access, separate contractual agreements apply. These terms of service are not replaced but supplemented by such agreements.
All content on this website, including but not limited to text, graphics, logos, images, videos, calculation algorithms, software code, databases, and design, is protected by copyright and other protective rights (trademark law, design law, patent law) and is the property of WealthBuild.ing or our licensors.
Prohibited: Without express written permission, the following is prohibited: (1) Reproduction, adaptation, distribution, or public communication of our content, (2) commercial use or resale, (3) embedding (framing, inline linking) in other websites without permission, (4) removal or alteration of copyright notices or other protective notices.
Permitted: Permitted: Viewing in browser, printing for purely private, non-commercial purposes, storage in browser cache.
In case of infringement: In case of copyright infringement, we reserve the right to assert claims for damages and to initiate legal proceedings.
We strive for high availability of the website (target: 99% annual average) but cannot guarantee uninterrupted or error-free accessibility.
Restrictions due to: Restrictions may occur due to: (1) Planned maintenance (with prior notice where possible), (2) unplanned technical problems, server failures, network disruptions, (3) force majeure (natural disasters, power outages, etc.), (4) cyber attacks, DDoS attacks, (5) measures by third parties (e.g., provider outages).
We reserve the right to change, expand, restrict, or discontinue the website, services, functionalities, and features at any time. This may also affect paid services. When discontinuing paid services, we will grant appropriate transition periods.
We assume no liability for downtime, data loss, or lost usage opportunities, except in cases of intent or gross negligence.
This website may contain links to external third-party websites. These links are provided solely for your information and convenience. We have no control over the content of these external websites and therefore assume no responsibility or liability for their content, privacy practices, or other aspects.
External websites are checked for obvious legal violations at the time of linking. Illegal content was not recognizable at the time of linking. Permanent content control of linked pages is not reasonable without concrete evidence of a legal violation.
Upon becoming aware of legal violations, we will remove such links immediately. Please inform us of problematic links.
By user: You can terminate use of our services at any time without giving reasons. If you have an account, you can delete it yourself or ask us to delete it.
By platform: We reserve the right to block or delete accounts and deny users access to our services if: (1) users violate these terms of service, (2) users abuse the services, (3) legal obligations require it, (4) users make false statements or act fraudulently.
Upon termination of use, all usage rights expire. Stored data will be handled in accordance with our privacy policy.
These terms of service and all legal relationships between you and WealthBuild.ing are exclusively governed by the laws of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods (CISG) and conflict of laws.
Exclusive place of jurisdiction for all disputes arising from or in connection with these terms of service is, to the extent legally permissible, the registered office of WealthBuild.ing. Mandatory legal provisions on exclusive jurisdictions remain unaffected.
For consumers within the meaning of applicable consumer protection laws: Mandatory consumer protection provisions of the state in which the consumer has their habitual residence remain unaffected insofar as they are more favorable to the consumer.
We reserve the right to change or supplement these terms of service at any time, particularly in case of: (1) changes in legal situation, (2) changes to our services or functionalities, (3) technical or organizational changes, (4) addition of new services.
Changes will be published on this page and marked with a change date. For significant changes affecting your rights, we will inform you by email (if you have an account) or through a prominent notice on the website.
You have the right to object to changes within 4 weeks of notification. The objection will result in termination of your use at the time the changes take effect. If you do not object to the change and continue to use the website after the changes take effect, the amended terms are deemed accepted.
The current version published on this page always applies.
Should individual provisions of these terms of service be or become invalid or unenforceable in whole or in part, the validity of the remaining provisions shall remain unaffected. In place of the invalid or unenforceable provision, a valid or enforceable provision shall apply that comes as close as possible to the economic purpose of the invalid or unenforceable provision. The same applies to any gaps in the regulations.
These terms of service, together with our privacy policy, constitute the entire agreement between you and WealthBuild.ing and replace all prior oral or written agreements. No side agreements exist.
In case of contradictions between these terms of service and separate contractual agreements (e.g., white label contracts, API usage contracts), the separate contractual agreements take precedence for their specific scope of application.
For questions about these terms of service or in case of disputes, please first contact us at: contact@wealthbuild.ing. We strive to resolve disputes amicably and out of court.
The European Commission provides a platform for online dispute resolution (ODR): https://ec.europa.eu/consumers/odr/. We are not obliged and not willing to participate in dispute resolution proceedings before a consumer arbitration board.