finance-analyze

name

finance-analyze

description

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.

Finance Analyze — Complete Financial Analysis for Angestellte

DISCLAIMER: For educational and informational purposes only. Not investment advice, tax advice, or insurance advice under VVG. All recommendations are general in nature. Consult a licensed financial advisor, tax advisor, or independent insurance broker before making any decisions.

When to Run

Trigger this skill when the user says:

• /finance analyze
• "Finanzanalyse" / "Analysiere meine Finanzen"
• "Finanzielle Gesundheitsprüfung" / "Wie stehe ich finanziell da?"
• "Full financial analysis" / "Financial health check"
• Any request for a complete financial picture from a German Angestellter

Data Collection

Before analysis, collect the user's complete financial profile. Ask in structured blocks. If data is incomplete, use reasonable defaults and flag them clearly in the output.

Block 1 — Income Profile

1. Annual gross salary (€) — including special payments (13th salary, bonus)?
2. Estimated monthly net income (Nettoeinkommen) (€) — or should it be estimated based on tax class and social insurance contributions?
3. Tax class (Steuerklasse I, II, III, IV, IV+Faktor, V, or VI)
4. Additional income sources (rental income, side job, investment income)?

Block 2 — Health Insurance & Social Insurance 5. GKV or PKV?

• GKV: Which provider? Monthly employee share (€)?
• PKV: Monthly premium (€)? Is Krankentagegeld (sick pay insurance) included?

Block 3 — Retirement Provisions 6. bAV (betriebliche Altersvorsorge): do you have one? (yes/no)

• If yes: monthly employee contribution via Entgeltumwandlung (€)? Employer Zuschuss (%)?

7. Riester-Rente: do you have one? (yes/no)
   • If yes: annual own contribution (€)? Entitled to Kinderzulage? (number of children)
8. ETF investment account (Depot): do you have one? (yes/no)
   • If yes: current investment account (Depot) value (€)? Monthly Sparplan (€)?

Block 4 — Liquidity & Assets 9. Instant-access savings (Tagesgeld) / fixed-term deposit (Festgeld) balance (€) 10. Current account balance (€) 11. Other liquid assets (€) 12. Property ownership: yes/no? If yes: estimated value (€)?

Block 5 — Debt 13. Dispositionskredit (Dispo overdraft): currently used? Outstanding balance (€)? Interest rate (%)? 14. Consumer loan(s) (Ratenkredit): outstanding balance (€)? Monthly payment (€)? Effective interest rate (%)? 15. Mortgage (Baufinanzierung): outstanding balance (€)? Monthly payment (€)? Nominal rate (Sollzins) (%)? Fixed-rate end date (year)?

Block 6 — Monthly Expenses 16. Total monthly fixed expenses (€): rent/Hausgeld, insurance, subscriptions, loan repayments 17. Monthly variable expenses (€): groceries, transport, leisure, other 18. Total monthly savings rate (€): everything except consumption (bAV, Riester, Sparplan, instant-access savings deposits)

Block 7 — Insurance Coverage 19. Personal liability insurance (Haftpflichtversicherung): do you have one? (yes/no) 20. Occupational disability insurance (Berufsunfähigkeitsversicherung / BU): do you have one? (yes/no) - If yes: monthly BU benefit (€)? Waiting period? Term until? 21. Term life insurance (Risikolebensversicherung): do you have one? (yes/no) - If yes: insured sum (€)? Term until? 22. Household contents insurance (Hausratversicherung): do you have one? (yes/no)

Block 8 — Goals 23. Short-term goals (< 2 years): e.g., holiday, purchase 24. Medium-term goals (2–10 years): e.g., property purchase, parental leave, further education 25. Long-term goals (> 10 years): target retirement date, desired monthly retirement income (€)?

Analysis Framework

Before analysis, read .claude/skills/shared/german-context.md for 2026 German financial constants.

Use the six sections below. For each, assign a RAG status:

• 🔴 Critical — immediate action required
• 🟡 Needs optimization — action advisable
• 🟢 Well positioned — no urgent need

---

1. Liquidity & Emergency Fund

Target emergency fund: 3–6 months of expenses in instant-access savings (Tagesgeld) (current reference rate: ~3–3.5% p.a. at DKB, ING, Trade Republic).

Assessment:

• Calculate total monthly expenses (fixed + variable)
• Calculate current emergency fund in months: instant-access savings (Tagesgeld) (€) ÷ monthly expenses
• Compare against target:
  • Angestellter, stable income, no dependants → 3 months sufficient
  • Angestellter with dependants / variable pay → 4–5 months
  • Beamte → 2–3 months sufficient
• RAG logic:
  • 🔴 < 2 months covered
  • 🟡 2 months covered, but below target
  • 🟢 Target met or exceeded
• Flag: fixed-term deposit (Festgeld) above the emergency fund amount → positive (higher yield); current account surplus > 2 months expenses → opportunity cost (recommend shifting to instant-access savings)

---

2. Debt Analysis

Debt-service ratio (Schuldendienstquote): (sum of monthly debt payments) ÷ net income; target: < 30%.

Priority order:

1. Dispositionskredit (Dispo): highest interest rate (8–14% p.a.) → immediate repayment is top priority
2. Consumer loan (Ratenkredit): depending on effective rate (3–8% p.a.) → repay after Dispo
3. Mortgage (Baufinanzierung): typically lowest rate → maintain minimum payments, use Sondertilgungsrecht (5–10% p.a.) if rate > instant-access savings yield

Assessment:

• Calculate debt-service ratio
• Flag Dispo usage > 1 month → 🔴 urgent (rate often 10–12% p.a.)
• RAG logic:
  • 🔴 Debt-service ratio ≥ 40% or Dispo permanently used
  • 🟡 Debt-service ratio 30–40% or Dispo used occasionally
  • 🟢 Debt-service ratio < 30%, no Dispo balance

---

3. Retirement Gap (Rentenlücke)

Step 1 — Estimated statutory pension (GRV):

• Entgeltpunkte (EP) per year = annual gross salary ÷ average earnings (2026 reference value from german-context.md)
• Assumption: retirement at 67; estimate years of contributions based on age and career start
• Estimated monthly GRV pension = accumulated EP × €39.32 (current pension value West 2026)

Step 2 — Supplementary components:

• bAV present: estimated additional monthly pension from contributions (user can derive from pension statement)
• Riester present: estimated additional monthly pension
• ETF investment account (Depot): expected assets at retirement (7% nominal p.a. assumption) → sustainable withdrawal amount (3.5% rule)

Step 3 — Retirement gap:

• Retirement gap (Rentenlücke) = desired monthly retirement income − (GRV + bAV + Riester + investment account withdrawal)
• If gap > 0 → 🔴 or 🟡 depending on size
• Flag: no bAV despite employer Zuschuss offer → "foregone free money" (employer Zuschuss = direct compensation component)
• Flag: no Riester despite Kinderzulage eligibility → Grundzulage €175 + Kinderzulage €185–€300 per child p.a. being forfeited

RAG logic:

• 🔴 Retirement gap > 50% of target income or no supplementary pension provision beyond GRV
• 🟡 Retirement gap 20–50% or bAV/Riester present but gap remains
• 🟢 Retirement gap < 20% or investment account assets expected to close the gap

---

4. Investment Structure

Savings rate: monthly savings rate ÷ net income; target: ≥ 20%.

Assessment:

• Check whether an investment account (Depot) exists
• If investment account exists: are investments in UCITS ETFs (TER < 0.30%) or actively managed funds with high costs?
• Is a Freistellungsauftrag (tax exemption order) in place? (Sparerpauschbetrag (annual tax-free investment allowance): €1,000 single / €2,000 married p.a.)
• Is the Vorabpauschale (annual notional ETF tax) understood and budgeted for?
• Flag: current account balance > 2 months expenses → opportunity cost (recommend shifting to instant-access savings or Sparplan)
• Flag: no investment account, no supplementary investing beyond instant-access savings → wealth accumulation missing

Investment account allocation check (if investment account exists):

• Is allocation age-appropriate? (rule of thumb: equity share = 100 − age, adjusted for risk tolerance)
• Concentration risk: single positions > 10% of investment account value?
• Home-market bias (Germany/Europe only)? → recommend global diversification

RAG logic:

• 🔴 Savings rate < 5% or no investment account, no Sparplan
• 🟡 Savings rate 5–20% or investment account exists but high cost ratios / no Freistellungsauftrag
• 🟢 Savings rate ≥ 20%, UCITS ETFs with TER < 0.30%, Freistellungsauftrag in place

---

5. Insurance Coverage Overview

Assess completeness and urgency of coverage:

Insurance	Status	RAG	Comment
Personal liability (Haftpflichtversicherung)	present / missing	🔴 if missing	Cost ~€50–130/year; unlimited personal liability without it
Occupational disability (BU)	present / missing	🔴 if missing and employed	State Erwerbsminderungsrente ~€960/month on average — significant gap
Health insurance (GKV/PKV)	present	depending on optimization need	Provider switch / PKV premium adjustment check
Term life (Risikolebensversicherung)	present / missing	🔴 if dependants present and no coverage	Not required without dependants
Household contents (Hausratversicherung)	present / missing	🟡 if missing	Recommended but not critical

BU gap calculation (if no BU or insufficient coverage):

• Target coverage: 75% of monthly net income
• Expected state Erwerbsminderungsrente: ~€900–1,100/month (€0 if < 5 years of GRV contributions)
• Required BU benefit = target − Erwerbsminderungsrente
• If no BU or gap > €500/month → 🔴 critical

GKV optimization:

• Is the current provider's Zusatzbeitrag competitive? (> 0.5% above cheapest comparable provider → consider switching)
• Contribution via bAV Entgeltumwandlung: reduces contribution-relevant income → lowers GKV contribution

For detailed GKV vs. PKV analysis and in-depth BU review: run /finance insurance

---

6. Tax Optimization

Tax class check:

• Steuerklasse I (single, no partner): standard
• Steuerklasse III/V (married, primary/secondary earner): only useful with a large income gap; otherwise check Klasse IV/IV+Faktor → optimizes payroll tax advance payments
• Steuerklasse II (single parent): Entlastungsbetrag → check whether claimed
• Flag: married in III/V with similar incomes → potential tax underpayment on annual return; consider switching to IV/IV+Faktor

bAV optimization:

• Is the employer Zuschuss (mandatory minimum: 15% on Entgeltumwandlung from social insurance savings) being fully captured?
• Tax-free bAV limit 2026: €7,728/year (8% BBG West)
• Double benefit: income tax savings + GKV contribution reduction (up to BBG)

Freistellungsauftrag:

• Is the Sparerpauschbetrag (annual tax-free investment allowance) (€1,000 single / €2,000 married) correctly allocated across all investment accounts and accounts?
• Too much at one broker → redistribute

Riester:

• Is the subsidy rate optimized? (4% of prior-year gross salary minus Zulagen required as own contribution)
• Günstigerprüfung: tax office automatically checks whether Sonderausgabenabzug is more favorable than Zulagen

For detailed tax optimization strategies: run /finance taxes

---

Output

Create the file FINANCE-ANALYSIS.md in the current working directory with the following structure:

# Financial Analysis
**Prepared for:** [Name or "Client"]
**Date:** [Today]
**Profile:** Angestellte(r), Steuerklasse [X], [GKV/PKV]

---

## Overview

| Category | Status | Priority |
|---|---|---|
| 1. Liquidity & Emergency Fund | 🔴/🟡/🟢 | High/Medium/Low |
| 2. Debt Analysis | 🔴/🟡/🟢 | High/Medium/Low |
| 3. Retirement Gap | 🔴/🟡/🟢 | High/Medium/Low |
| 4. Investment Structure | 🔴/🟡/🟢 | High/Medium/Low |
| 5. Insurance Coverage | 🔴/🟡/🟢 | High/Medium/Low |
| 6. Tax Optimization | 🔴/🟡/🟢 | High/Medium/Low |

---

## 1. Liquidity & Emergency Fund
[Detailed analysis with concrete € amounts and months of coverage]

## 2. Debt Analysis
[Debt-service ratio, priority order, repayment strategy]

## 3. Retirement Gap (Rentenlücke)
[GRV estimate, bAV, Riester, investment account projection, gap in €/month]

## 4. Investment Structure
[Savings rate, investment account allocation, cost analysis, Freistellungsauftrag status]

## 5. Insurance Coverage Overview
[Gap table with € amounts, BU gap calculation]

## 6. Tax Optimization
[Tax class, bAV utilization, Freistellungsauftrag, Riester subsidy rate]

---

## Top 3 Actions (by urgency and leverage)

| # | Action | Category | Estimated leverage | Time required | Urgency |
|---|---|---|---|---|---|
| 1 | ... | ... | €X/month or one-off | X hrs | 🔴/🟡/🟢 |
| 2 | ... | ... | ... | ... | ... |
| 3 | ... | ... | ... | ... | ... |

---

## Further Analysis
- `/finance insurance` — full GKV vs. PKV analysis and in-depth BU review
- `/finance retirement` — full retirement analysis with projection tables
- `/finance taxes` — tax optimization strategies in detail

---

**DISCLAIMER: For educational and informational purposes only. Not investment, tax, or insurance advice. All values are estimates based on general assumptions. Consult a licensed financial advisor, tax advisor, or independent insurance broker before making any decisions.**

Quality Standards

• All € amounts are concrete and derived from the data entered (no placeholder values)
• Every RAG rating is supported by a calculation or justification
• Missing data is clearly flagged as assumptions
• No US-specific terms, structures, or benchmarks
• Recommendations reference 2026 values from german-context.md
• Report always ends with the disclaimer

Handoff

After creating FINANCE-ANALYSIS.md, inform the user of:

1. The three most urgent actions from the report
2. References to follow-up skills for deeper analysis:
   • "For full GKV vs. PKV analysis and in-depth BU review: run /finance insurance."
   • "For full retirement analysis with projection tables: run /finance retirement."
   • "For tax optimization strategies in detail: run /finance taxes."
3. Suggest /finance report-pdf for a print-ready PDF version.

DISCLAIMER: For educational and informational purposes only. Not investment, tax, or insurance advice. Consult a licensed financial advisor, tax advisor, or independent insurance broker before making any decisions.