claude--finance

Vollständige Finanzanalyse für deutsche Angestellte — erstellt einen 6-Kategorien-Finanzbericht mit RAG-Status und Top-3-Maßnahmen. Aktivieren bei "/finance analyze", "Finanzanalyse", "finanzielle Gesundheitsprüfung", "Analysiere meine Finanzen", "Wie stehe ich finanziell da?", "full financial analysis", "financial health check", or any request for a complete financial picture for a German Angestellter.

Spending analysis and custom budget builder. Analyzes spending patterns using 50/30/20 rule, zero-based budgeting, or envelope method. Categorizes expenses, identifies waste, suggests cuts, and produces a 12-month budget. Use when the user says "/finance budget", "build me a budget", "analyze my spending", "where is my money going", or asks about expense optimization.

Side-by-side comparison of two financial decisions for German clients. Trigger phrases: "soll ich kaufen oder mieten", "rent vs buy Germany", "GKV oder PKV", "ETF vs Fonds", "leasing vs kaufen Auto", "should I lease or buy", "is it worth buying a home in [German city]", "Preis-Miet-Verhältnis", "lohnt sich kaufen", "compare financial options Germany". Collects German-specific inputs (Bundesland, Kaufpreis, JAEG threshold, TER, Leasingrate), runs cost and opportunity-cost modelling with German tax and cost assumptions, and saves a structured recommendation to FINANCE-COMPARE.md.

German debt analysis and repayment strategy (Schuldenanalyse und Tilgungsstrategie). Covers Dispositionskredit elimination, Ratenkredit optimization, Baufinanzierung with Sondertilgungsrecht, SCHUFA management, and Schuldendienstquote analysis. Compares Hochzinsmethode (avalanche) vs Schneeballmethode (snowball). Use when the user says "/finance debt", "Schulden tilgen", "Dispo abbauen", "Tilgungsstrategie", "Umschuldung", "Kredit ablösen", "Anschlussfinanzierung", "SCHUFA verbessern", or asks about any German debt strategy.

Emergency fund analyzer (Notgroschen). Calculates the right Notgroschen size based on job stability, family structure, fixed expenses, dependents, and Angestellte vs. Selbstständige status. Recommends where to keep it (Tagesgeld, Festgeld), how fast to build it, what counts as a true emergency in the German context, and how to replenish after use. Produces FINANCE-EMERGENCY.md.

FIRE (Finanzielle Unabhängigkeit / frühzeitig in Rente) calculator for German Angestellte and Frugalisten. Calculates FIRE-Zahl, years-to-FIRE, GKV costs in early retirement, Rentenversicherung bridge strategy, tax-efficient Entnahmestrategie, and geographic arbitrage options within Germany and Europe. Use when the user says "/finance fire", "finanzielle Unabhängigkeit", "frühzeitig in Rente", "FIRE-Zahl", "Frugalist", "Entnahmeportfolio", "Lean FIRE", "Fat FIRE", "Coast FIRE", "früher Ruhestand", "Rente mit 40/45/50/55", or any early retirement question in a German financial context.

Sparziele-Planer für deutsche Anleger. Triggers: "/finance goals", "Hilf mir für [X] zu sparen", "Plan für Eigenkapital Hauskauf", "Studienfinanzierung für mein Kind", "Notgroschen aufbauen", "Sabbatical planen", "Hochzeit finanzieren", "Sparplan erstellen", "Wie viel muss ich monatlich sparen für [X]", "Zielbasierter Sparplan". Builds concrete savings plans with target amounts in €, monthly contributions, timelines, and appropriate German financial products (Tagesgeld, Festgeld, Depot, Juniorsdepot). Supports multiple simultaneous goals with German prioritization logic. Produces FINANCE-GOALS.md.

Insurance coverage advisor for German clients. Analyzes GKV vs PKV decision, Berufsunfähigkeitsversicherung (BU), Risikolebensversicherung, Haftpflichtversicherung, Rechtsschutzversicherung, and Hausratversicherung. Triggered by: /finance insurance, "Brauche ich PKV?", "BU Versicherung", "Versicherungscheck", "welche Versicherungen brauche ich?"

Vermögensbilanz (net worth tracker) for German households. Calculates Gesamtvermögen and investierbares Vermögen, benchmarks against ECB HFCS 2021 German wealth percentiles, compares against age-based Jahresbruttolohn multiplier targets, checks Sparquote trajectory, and projects time to retirement or FIRE targets. Produces FINANCE-NETWORTH.md. Trigger phrases: "Berechne mein Nettovermögen", "Wie viel bin ich wert?", "Bin ich auf Kurs für mein Alter?", "Wann erreiche ich mein Vermögensziel?", "Calculate my net worth", "Am I on track for my age?", "How do I compare to German wealth benchmarks?", "/finance networth".

German ETF and investment portfolio advisor for Angestellte clients. Triggers on phrases like "analyze my Depot", "is my ETF allocation right?", "should I rebalance?", "Sparplan optimieren", "which ETF should I buy?", "how do I invest in Germany?", "Freistellungsauftrag setzen", "bAV oder Riester?", or any request to review or build a German investment portfolio. Applies EU-domiciled UCITS ETF framework, three-tier account structure (Liquidität → Altersvorsorge → Taxables Depot), and German tax mechanics (Vorabpauschale, Teilfreistellung, Freistellungsauftrag). Produces FINANCE-PORTFOLIO.md with current allocation assessment, recommended ETF building blocks with ISINs, broker recommendation, and concrete action steps.

60-Second Financial Snapshot — fast assessment of financial health based on six core inputs (income, expenses, savings, debt, age, retirement goal). No subagents. Produces a compact terminal scorecard with savings rate, debt service ratio (Schuldendienstquote), emergency fund coverage, retirement on-track status, and top 3 priority actions in under 40 lines.

Retirement projection for German Angestellte. Calculates gesetzliche Rente (GRV) based on Entgeltpunkte, projects bAV (Direktversicherung/Pensionskasse/Pensionsfonds) and Riester payout, computes Rentenlücke, and produces a Handlungsplan by age band. Covers KVdR eligibility in retirement, Rentenbesteuerungsanteil, and early retirement via Altersrente für besonders langjährig Versicherte. Use when the user says "/finance retirement", "Wie viel Rente bekomme ich", "Bin ich auf Kurs für die Rente", "Wann kann ich in Rente gehen", "Rentenlücke berechnen", "bAV optimieren", "Riester lohnt sich", or any retirement planning question in a German context.

European dividend and stock screener for German investors. Trigger phrases: "screen ETFs for dividends", "which ETFs pay dividends in Germany", "build me a dividend portfolio", "what should I invest in", "DAX dividend stocks", "UCITS ETF screener", "ausschüttende ETFs", "Dividendenstrategie", "European stock screener", "income investing Germany", "find me dividend ETFs", "Depot aufbauen". Collects investment goal, risk tolerance, sector preference, existing holdings, target yield range, distributing vs accumulating preference, and broker. Returns ETF screening results with ISINs and yields, individual stock watchlist, tax efficiency notes, and Freistellungsauftrag allocation recommendation. Output saved as FINANCE-SCREEN.md.

German tax optimization strategy analyzer for Angestellte (employed) clients. Covers Steuerklassenwahl, betriebliche Altersvorsorge (bAV), Riester-Rente, Rürup-Rente, Sparerpauschbetrag optimization, Günstigerprüfung, Kirchensteuer, year-end Verlustverrechnung, and ELSTER filing. Produces FINANCE-TAXES.md with prioritized strategies and estimated Steuerersparnis. Trigger phrases: "Steuern optimieren", "Steuer sparen", "tax optimization Germany", "wie kann ich weniger Steuern zahlen", "/finance taxes", "Help me lower my German taxes".