BruttoNetto vs WealthMap

How much of your salary is left – and what does an employment really cost? BruttoNetto works it out in seconds, under Austrian law and with every detail of Austrian payroll. WHAT MAKES THIS APP DIFFERENT • Calculate backwards: enter the net pay you want, the app finds the gross figure – to the cent, and where several fit, the lowest. • Employer's view: personnel costs, payroll charges, overheads and hourly rate at a glance. • Month by month: special payments, recalculations and changes in the middle of a year are taken into account. • Keep as many calculations side by side as you like – compare instead of retyping. NEW IN VERSION 6.2 – FOR FREELANCERS • Income tax optional: payroll for freelancers withholds no tax – income tax can be switched off, and the app then shows the net before tax. • Flat rates under § 17 EStG instead of the fixed 12 %: small or large basic lump sum (15 % from 2026) under § 17 (1), or the small business flat rate under § 17 (3a) (45 % or 20 %), each with the year's maximum amount and turnover limit. • For freelancers the commuting allowance (home to workplace) counts as an expense reimbursement, no longer as income. • The detailed results name the chosen flat rate and the deducted amount. SINCE VERSION 6.1 • Overtime at 100 % stays tax-free up to half the base pay under § 68 (2) once the § 68 (1) allowance is used up. • Much faster calculation – result, chart, salary table and net → gross. • Net → gross always finds the lowest gross pay at the marginal earnings threshold and the steps of unemployment insurance. • VoiceOver reads out inputs, the salary slider, every result row with its column names and the chart with amounts in euros; result table and chart adapt to the screen, the sidebar and large text. • If a calculation fails, the app says so. SINCE VERSION 6.0 • Additional pay as a list: bonuses, commissions, allowances, tax-free benefits, benefits in kind and reimbursements from 43 templates – each with a practical example and the limit of the selected year. • Custom wage types with your own treatment in tax and social insurance. • Benefit-in-kind calculator for company car, company flat, employer loan, parking space and full board and lodging – with the calculation shown step by step. • Holiday bonus and Christmas bonus can be switched individually and set freely. • Apprentices, deferred pension, active pension and activity allowance. • Tax year 2027 (provisional) with the Family Bonus Plus split 75 : 25. • Default settings: set your business values once and use them in every calculation. EVERYTHING AUSTRIAN PAYROLL NEEDS • Employees, workers, apprentices, freelancers and retirees • Freelancers with or without income tax, flat rates under § 17 EStG • Overtime, extra work and allowances under § 68, including all-in agreements • Commuter allowance, Family Bonus Plus, sole earner tax credit • Union dues, works council levy, tax allowance • DB, DZ, municipal tax, Vienna employer levy • All nine federal states, tax years 2009 to 2027 ON EVERY DEVICE One app for iPhone, iPad and Mac. Detailed results, salary table and chart can be shared and printed – as PDF too. Calculations can be saved as a file and passed on. German and English, switchable at any time. Works with VoiceOver and large text. No ads, no subscription, no account. Your data stays on your device.

Your wealth is more than your investment portfolio. Bring your property, pensions, investments, cash and debts into one clear picture—and understand where you stand. No bank connection required. YOUR ENTIRE WEALTH. ONE CLEAR VIEW. Follow your net worth over time, explore your portfolio mix and see the assets and debts behind your balance. Track stocks, ETFs, funds, crypto, gold, property and more, with multiple currencies and price updates for supported investments. KNOW YOUR WEALTH AGE Put your financial progress in perspective. Wealth Age starts with your actual age and considers seven financial and tracking factors, including growth, debt health, liquidity and savings. Explore what shapes your reading and follow it over time. It is a model estimate, not a retirement age or population ranking, and needs at least two valid balance snapshots spanning 14 days for a full result. UNDERSTAND WHAT CHANGED Your Briefing connects recorded changes with the details behind them. Explore the evidence, review gaps in your records and open the relevant holdings. On compatible devices, Apple Intelligence helps select relevant observations, with AI processing on your device. A calculated Briefing is available without Apple Intelligence. MAKE RETIREMENT A PLAN Explore financial independence with the FIRE planner. Adjust spending, savings, retirement age and assumptions to compare possible paths. See how accessible investments and pension access fit together. Set wealth goals and explore future wealth projections as your plans evolve. GIVE EVERY ASSET ITS PLACE Record property valuations and keep supporting documents together. Compare recorded changes with available property-market indices. Review investment holdings and manage your assets and liabilities with clearer detail screens. KEEP TRACK OF YOUR INCOME Record dividends, interest, rent and other investment income. See recorded payments separately from amounts expected from your schedules. Income entries keep a history; they do not automatically change account balances or investment holdings. LESS ADMIN. MORE PERSPECTIVE. • Review cash flow and recurring activity. • Import supported broker CSV files. • Keep useful figures close with Home Screen widgets. • Export PDF reports and CSV records. • Find holdings through Spotlight and use Siri shortcuts. PRIVATE BY DESIGN No WealthMap account required. Records are stored on your device, with private iCloud sync across your devices. Protect access with Face ID or Touch ID. ACCESS AND REQUIREMENTS Continued access requires a monthly or annual subscription, or a one-time lifetime purchase. Prices and any eligible introductory offers are shown before purchase. Subscriptions renew automatically unless cancelled. The app interface is in English. Apple Intelligence features require a compatible device, iOS 26 or iPadOS 26 or later, and Apple Intelligence enabled. Siri phrases are currently in English. Projections and property indices are estimates, not guarantees or individual property valuations. WealthMap is a tracking and planning tool, not financial advice. Privacy Policy: https://buildforward.eu/wealthmap#privacy Terms of Use: https://buildforward.eu/wealthmap#terms