SNIZ - Savings & Interest

With SNIZ you keep track of your call money accounts, interest earnings, and tax exemption orders. Strengths of the app: Everything stays local on your device, with no cloud, no login and no sign-up ... and all basic features are free! If you do rate hopping and hold accounts at several banks, it's easy to lose track: - Which rate guarantee is about to expire? - Have tax exemption orders been filed everywhere in the right amount? - Was the interest payout booked correctly? - What's my current overall return across all my call money accounts? SNIZ answers these questions - without bank access and without sign-up. Your account and financial data stay encrypted on your device! FEATURES -------- - Account overview All your call money accounts with bank name, interest rate, deposit amount, term end, and status at a glance. Active, cancelled, and already closed accounts are shown clearly. The dashboard shows total capital, average interest rate, and guaranteed annual returns across all banks. - Rate guarantee reminders Automatic push reminder before your rate guarantee expires, on the expiry day, and optionally 5 days after - so no account silently slips into the lower follow-up rate, and you can switch in time to get the maximum return! - Manage tax exemption orders (in DE) Enter tax exemption orders per bank and check them for completeness. SNIZ warns you if an active account is running without a tax exemption order. Joint assessment for married couples is supported. SNIZ calculates for you how high your tax exemption order should be. If you make deposits or withdrawals on a call money account, SNIZ reminds you to adjust your tax exemption order. - Track interest payouts Confirm received interest payouts directly in the app or let daily interest payouts be recorded automatically. You record rate changes together with the rate history. When an account is closed, the interest is calculated for you up to the closing date. You can also adjust it manually if the interest actually paid by the bank differs. - Tax overview Interest earnings summarized by bank and tax year, matched against the tax exemption order granted. A helpful basis for your tax return and for keeping track of used or still available exemption volume. - Security Optional app access protection via fingerprint or Face ID. Secured with PIN and PUK. - Backup & device transfer (SNIZ PRO) Export your data as an encrypted backup with your own password and conveniently transfer it to a new device. PRIVACY -------- Your account and financial data stay on your device and are stored locally only, with bank-grade encryption. SNIZ uses no tracking and does not pass your account and financial data on to third parties. SNIZ does not read out bank data, does not connect to any banking interfaces, and requires neither a user account nor sign-up. WHO IS SNIZ FOR? ---------------- SNIZ is aimed at call money savers in Germany, Austria, and Switzerland who want to manage their call money accounts and tax information simply, clearly, and securely. General info ------------ App languages: German, English All basic features are free and can be used without a subscription. Optional additional features are available with SNIZ PRO as an in-app purchase.