FINPREP vs Schichtgeld

FinPrep is a financial planning app built for service members — a modern, private take on the military Financial Planning Worksheet. Enter your pay grade, years of service, and duty station, and FinPrep auto-fills your 2026 entitlements, then helps you build a complete spending plan. PAY & ALLOWANCES (2026 rates built in) • Base pay and BAS auto-fill from the DFAS pay tables • BAH by duty station — pick your station or enter your ZIP, with or without dependents • Non-Locality (RC/T), Partial BAH, OHA, FSH-B/FSH-O, and government quarters • Federal tax (FITW) estimate — Traditional TSP lowers it, Roth doesn't • FICA, SGLI, TRICARE dental, and TSP contributions BUDGET & PLAN • Income, expenses, debts, savings goals, and net worth in one place • 70/20/10 health check with progress rings and personalized alerts • Debt Destroyer: compare Avalanche vs Snowball and see interest saved • Projected (PCS) outlook — see how a move or promotion changes your pay (Pro) • TSP balance tracking with future-growth projection PRIVATE & SECURE • All data stays on your device, encrypted — no account, no tracking, no ads • Optional Face ID / Touch ID lock EXPORT (Pro) • Export your worksheet as PDF, Excel, or CSV FinPrep Pro is a one-time purchase that unlocks export and the Projected (PCS) outlook. Figures are estimates for planning only and are not financial, tax, or legal advice. Not affiliated with or endorsed by the Department of Defense, DFAS, or DTMO. Always verify with your LES and finance office.

Schichtgeld turns your shifts into your real take-home pay – with every bonus, overtime and expenses. Just enter the start and end of your shift. Schichtgeld automatically detects the tax- and social-security-free bonuses for night, Sunday and public-holiday work (SFN), converts gross to net and shows you day by day how your pay adds up. WHAT SCHICHTGELD DOES • Gross-to-net calculator with 2026 values • Night, Sunday and holiday bonuses – detected automatically • Overtime and tax-free bonuses • Expenses and meal allowances • Day-by-day breakdown: every euro traceable • Tax class, church tax, pensioner and transition-zone rules • Working-time tracking included • Five languages: German, English, Ukrainian, Russian, Polish • Works offline – your data stays on your device ALWAYS FREE Working-time tracking and the net calculation stay free forever. SCHICHTGELD PRO • Check your payslip as often as you like – compare your employer's statement with our calculation • Timesheet as PDF, in five languages • Full history – every month, not just this one and the last Schichtgeld is a calculator and does not replace payroll or tax advice. All figures without guarantee. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/