Free retirement planner built for German ETF investors: RetireRangers
Investing in ETFs in Germany involves tax rules that most planning tools ignore or get wrong. The two key rules are — a 30% tax exemption applied to gains from equity ETFs — and the , an annual €1,000 allowance on investment income that is tax-free. A solo non-developer built RetireRangers to fill this gap.
The tool includes a that accounts for German tax rules, (which run thousands of random market scenarios to show how likely your savings are to last), a dividend calendar, Trade Republic CSV import, and an AI advisor aware of your actual portfolio. It is free during the beta phase, and the maker is asking for honest feedback on onboarding clarity, mobile experience, and messaging.
Key points
- Targets a very specific gap: German ETF tax rules ( and ) that most retirement tools ignore
- show the probability your savings survive various market conditions
- Supports direct import of Trade Republic transaction history via CSV
- Built by a solo non-developer as a hobby project; currently free in beta
- Live at retirerangers.com, actively seeking user feedback on mobile UX and onboarding