Our financial simulators

Your life goals and how to plan them

Build your household and fill each person's life with the events that matter — just like a calendar. See at what age they'll happen and sort them by time horizon.

Inflation: how much is your money really worth?

Inflation erodes purchasing power year after year. Pick a starting year and see how much is left — and whether investing would have beaten inflation, and by how much.

The support and power of compound interest

The same capital, the same number of years, different instruments: see in black and white how a small gap in returns changes the final result, year after year.

Diversification: how does your portfolio move?

Three scenarios, two years: see the tree of possible outcomes and how each asset's weight shifts. The stable part holds, equity drives the volatility.

Open the simulator → Available Investing

The benefit of saving over time: PAC simulator

See how much your monthly savings could grow, across different time horizons and expected returns.

A real PAC case study

Pick one of 7 real funds, a start date and a monthly payment: we rebuild the plan on actual historical prices, month by month.

Open the simulator → Available Investing

Finding the best investment for each goal

Over 2,400 funds with Morningstar data: filter, sort as in Excel and compare return, risk and costs for up to 6 funds at a time.

Coming soon Investing

Active or passive investing (ETFs)? What to choose

Costs, returns and management: we compare the two strategies.

Which bond should you select for your managed portfolio?

Duration, coupon and rating: find out how to find your way among available bonds.

What does a BTP Valore really yield, net of tax and stamp duty?

The six issues from 2024 to today: coupons year by year, effective yield, comparison with a bank account and the market, and what happens if you sell early.

Open the simulator → Available Investing

Saving and drawing down to cover expenses later in life

How to build up capital over time and then draw it down to cover the costs of your later years.

Efficient frontier: the best weights for your funds

Choose 2 to 6 funds and one objective, a return or a level of risk. Markowitz's curve shows which mix returned the most for each level of risk, and with which weights.

Available Liquidity

Your life goals and how to plan them

Build your household and fill each person's life with the events that matter — just like a calendar. See at what age they'll happen and sort them by time horizon.

Available Liquidity

Formula simulator

For a limited time, Allianz offers a higher promotional rate to those who transfer their liquidity. Find the real net advantage, days and amount in hand.

Interest account: worth it?

An interest-bearing account pays interest but charges a higher fee. Find out, with the balance in hand, above which threshold it actually beats a plain account.

Start&Go 13: net return on your cash

Your cash waits 93 days before moving into the chosen funds: work out the interest net of the 26% tax, stamp duty, insurance cover and the redemption fee.

Other ways to manage liquidity and the short term

Eleven funds compared, from net yield to the government-bond quota. Set your thresholds, decide how much yield and prudence weigh, and sort the table by the column that matters to you.

Card insurance coverage: which one is worth it?

Compare the insurance coverage of Allianz Bank Card Debit, Debit Premium, Nexi Classic and Nexi Prestige, and see the advantages of the card you choose.

Your life goals and how to plan them

Build your household and fill each person's life with the events that matter — just like a calendar. See at what age they'll happen and sort them by time horizon.

How much is the capital gains tax on my investment?

Not every fund is taxed at 26%: the share held in government bonds pays 12.5%. Search the ISIN across 3,076 funds in placement and compare what actually ends up in your pocket.

How much is your income taxed?

From gross to net with the 2026 brackets, work and family tax credits and the tax-wedge cut. With a VAT number, the flat-tax regime compared with the ordinary one.

How do you recover your capital losses?

Investment losses cut your tax for four years, then they expire. Enter your tax-loss balance and planned sales: see how much you recover, what expires and what to report in the 730 return.

Pension fund tax

Compare the taxation of severance pay left in the company with the more favourable taxation of severance pay paid into a pension fund.

Pension fund deductibility

Calculate how much you get back from the deductibility of pension-fund contributions, now and over the long run.

RITA tax advantage

Calculate how much you can save by retiring earlier with the RITA (early temporary supplementary annuity).

How much will your heirs pay?

Italy's inheritance tax depends on who inherits: each heir has an allowance and a different rate. See how much really reaches your loved ones and how much goes to the State.

Tax and estate savings through insurance-based investments

Life insurance policies and insurance-based funds: enter the premium and see what the tax and estate benefits are worth in euros compared with a direct investment.

Your life goals and how to plan them

Build your household and fill each person's life with the events that matter — just like a calendar. See at what age they'll happen and sort them by time horizon.

Available Pension

When and how much will you retire on? INPS pension and pension funds

Pick your fund — INPS or one of the professional funds — and instantly see your contribution rate, requirements and estimated pension.

Closed Pension Fund (FPN), Open Pension Fund (FPA) or Individual Pension Plan (PIP): which is right for you?

Compare the three forms of supplementary pension — closed fund, open fund and PIP — on the same numbers.

How much does the employer pay into the pension fund?

Search your collective agreement (CCNL) and find the reference negotiated fund, the employer's percentage and the minimum you must pay to unlock it. Data updated to July 2026.

TFR: company or pension fund? A look at the past

Pick the year you started working and see how your severance pay would have grown, year by year, with the returns that actually happened from 1983 to today.

Which fund grows your TFR the most?

Compare 11 pension funds on real returns since 2008 and see which one would have grown your severance pay the most.

Closed or open pension fund?

Compare the two forms of supplementary pension and see which suits you best, employer contribution included.

Pension fund tax

Compare the taxation of severance pay left in the company with the more favourable taxation of severance pay paid into a pension fund.

Pension fund deductibility

Calculate how much you get back from the deductibility of pension-fund contributions, now and over the long run.

Can you cash out your entire accumulated pension fund?

At retirement, find out whether you fall within the limit to redeem your entire capital as a lump sum instead of an annuity, based on your age and balance.

Open the simulator → Available Real Estate

RITA tax advantage

Calculate how much you can save by retiring earlier with the RITA (early temporary supplementary annuity).

Your life goals and how to plan them

Build your household and fill each person's life with the events that matter — just like a calendar. See at what age they'll happen and sort them by time horizon.

Available Real Estate

What does your property really return?

Price, rent, taxes, IMU and mortgage: find the real net return of your real estate investment and which tax regime pays off best.

Open the simulator → Available Inheritance

Coming soon Real Estate

Buying property in instalments: which mortgage to choose

Fixed or variable rate, term and instalment: find out how to choose the right mortgage for your property.

Available Inheritance

Your life goals and how to plan them

Build your household and fill each person's life with the events that matter — just like a calendar. See at what age they'll happen and sort them by time horizon.

Available Inheritance

How much will your heirs pay?

Italy's inheritance tax depends on who inherits: each heir has an allowance and a different rate. See how much really reaches your loved ones and how much goes to the State.

Tax and estate savings through insurance-based investments

Life insurance policies and insurance-based funds: enter the premium and see what the tax and estate benefits are worth in euros compared with a direct investment.

Open the simulator → Available Inheritance

Survivor's pension: what the family receives

Who receives the pension of someone who dies, and how much: INPS percentages, the cut for the spouse's income and how the amount changes as the children grow up.

Coming soon Coming soon

More tools on the way

We're working on new simulators — coupon-paying investments and more. Come back soon.

Want to read them together? Let's talk →

Savings plan (PAC)

Time is your best ally. Let it work.

Monthly contribution, time horizon and expected return: the PAC simulator projects your capital year by year — splitting out contributions and interest — and calculates both the impact of swinging markets and how much to pay in to reach a target.

€ 200 Monthly contributionThe fixed amount the simulation starts from (example)

5% Expected average returnGross annual assumption, customisable in the simulator

×2.3 Compound interest effectFinal capital compared to what you paid in, after 30 years

Simulate your PAC →

What the simulator gives you

✓ Year-by-year projectionCapital, contributions and interest kept separate, up to your chosen horizon

✓ Milestone stopsWhat you've reached halfway through, not just at the end

✓ Swinging marketsYour PAC return against the real price movement

✓ Reverse calculationHow much to pay in each month to hit a target capital

Your data stays in your browser: nothing is transmitted.

Interest account

The interest account pays more. But only above a threshold.

Higher interest, but also a higher fee: the simulator calculates the minimum balance above which the interest account genuinely beats a plain current account.

€ 50,000 Average balanceExample balance to test the convenience against

1.5% Gross rateAssumed annual return on the balance, customisable

€ 12,000 Break-even thresholdExample amount above which the interest account wins

Calculate your threshold →

What the simulator gives you

✓ Direct comparisonInterest account vs. plain account, on the same numbers

✓ Break-even thresholdThe exact amount above which the interest account pays off

✓ Fee includedThe account's cost weighs into the calculation, not just the interest

✓ Customisable balanceEnter your own average balance and get your answer

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Tax advantage

A pension fund cuts your taxes now. Not just at retirement.

Contributions paid into a pension fund are deductible from your income: the simulator calculates how much you get back every year, and how much you save over the long run.

up to 43% Marginal tax rateThe deduction rate depends on your income bracket

€ 5,300 Annual deductible capThe maximum contribution you can deduct each year

15%→9% Payout taxationFar lower than ordinary income tax

Calculate your tax savings →

What the simulator gives you

✓ Annual savingsHow much you get back every year in your tax return

✓ Projection over timeThe tax advantage compounded across every year you contribute

✓ Your own tax rateCalculated on your real income bracket

✓ Compared to other instrumentsHow much more it returns than a non-deductible investment

Your data stays in your browser: nothing is transmitted.

Pension simulator

The state alone isn't enough. Here's the gap.

Pension fund, career and final income: the simulator estimates net pension, replacement rate and contribution balance — even if you worked both as an employee and self-employed, combining both periods (cumulo). Updated to 2026 regulations.

~76% Replacement rateHow much of your final income the public pension covers (estimate)

−24% Income gapThe average drop between final salary and first pension

15→9% Reduced taxationThe pension-fund tax rate falls as low as 9%

Calculate your pension →

What the simulator gives you

✓ Net and gross pensionMonthly, calculated fund by fund

✓ Replacement rateHow much of your final pay is actually replaced

✓ Contribution cumuloIf you worked both as an employee and self-employed, the two periods combine

✓ How your balance buildsContributions paid vs. revaluation, year by year

Your data stays in your browser: nothing is transmitted.

Real estate investment

Gross rent doesn't tell the whole story. Here's the real net return.

Price, rent, taxes, IMU and mortgage: the simulator calculates the real net return of your property and compares the available tax regimes.

€ 150,000 Property valueExample purchase price, customisable in the simulator

5% Gross returnRatio between annual rent and property value

3.1% Real net returnAfter taxes, IMU, management costs and mortgage

Calculate your property's return →

What the simulator gives you

✓ Net returnAfter taxes, IMU, management costs and mortgage

✓ Tax regimeFlat-rate rental tax vs. ordinary taxation, compared

✓ Mortgage impactHow the return changes when the purchase is leveraged

✓ Compared to other investmentsDoes your property return more or less than a financial portfolio?

Your data stays in your browser: nothing is transmitted.

Inheritance

Every heir pays differently. See what it means for your family.

Italy's inheritance tax depends on who inherits: the simulator calculates the allowance and rate for each heir, and how much really reaches your loved ones.

€ 1,000,000 Allowance for spouse and childrenUp to this amount, per heir, nothing is owed

4%–8% Inheritance tax rateFrom 4% for spouse and children up to 8% for unrelated heirs

€ 1,500,000 Allowance for severe disabilityFor an heir with a recognised severe disability (Law 104/92)

Calculate what your heirs will pay →

What the simulator gives you

✓ Calculation per heirAllowance and rate specific to each family member

✓ Full estateProperty, bank accounts and investments in the same calculation

✓ Compare heirsHow much changes between spouse, children, siblings or other relatives

✓ Plan aheadSee today what your loved ones will pay tomorrow

Your data stays in your browser: nothing is transmitted.

For companies

What keeping TFR in the company really costs you

Keeping severance pay (TFR) in the company isn't free: there are costs that leave the balance sheet every year, silently. The simulator calculates them all, line by line, with your numbers.

TFR in the company or pension fund

Keeping TFR in the company has a hidden cost. The pension fund erases it.

Corporate income tax (IRES), regional tax (IRAP), yearly revaluation and category-fund contributions: the simulator compares, line by line, what it costs to keep TFR in the company versus paying it into a pension fund — both as a forward projection and as a historical retrospective back to 2007.

24% · 3.9% IRES and IRAPThe tax rates affected by the deductibility of contributions paid into the fund

6.91% Accruing TFRYearly share of gross pay that accrues as TFR (art. 2120 Civil Code), calculated automatically

since 2007 Historical retrospectiveYear-by-year ISTAT revaluation: how much you'd already have saved by choosing the fund

1% · 10% Fund contributionsEmployer share and solidarity contribution, both customizable

Access the simulator →

What the simulator gives you

✓ Cumulative advantageThe company's total savings, year by year

✓ Comparison chartCost of TFR in the company vs. cost in the pension fund

✓ Forward viewProjection over a customizable time horizon

✓ Historical viewHow much you'd have saved from 2007 to today, with real ISTAT revaluation

Your data stays in your browser: nothing is transmitted.

Open the simulator → Available Welfare

Paying TFR into a pension fund: advantages for the company

Calculate the tax advantage for the company when employees' accrued severance pay is paid into a pension fund instead of staying on the balance sheet.

Bonus, incentive, or pension fund?

Same cost for the company, very different outcome for the employee: compare a payslip raise, a productivity bonus and a pension-fund contribution.

Open the simulator → Available Welfare

Company welfare / flexible benefits: the advantage for employee and company

A euro in welfare isn't like a euro in the payslip: it's exempt from tax and social contributions. See how much both company and employees save.

Open the simulator → Available Protection

Keyman policy: tax advantage

Protect the company against the sudden loss of a key person and see the tax benefit of the keyman policy.

TFM: tax advantage for directors and the company

Simulate the accrual of the end-of-mandate indemnity and the related tax advantage for the company.

Formula simulator

For a limited time, Allianz offers a higher promotional rate to those who transfer their liquidity. Find the real net advantage, days and amount in hand.

Start&Go 13: net return on corporate cash

Company cash waits 93 days before moving into the chosen funds: work out the interest net of stamp duty, insurance cover and the redemption fee.

Coming soon Investing

Active or passive investing (ETFs)? What to choose

Costs, returns and management: we compare the two strategies.

Open the simulator → Available Business

Which bond should you select for your managed portfolio?

Duration, coupon and rating: find out how to find your way among available bonds.

Available Business

A real business analysis case study

A concrete example, real numbers in hand, of how a company's financial health is read.

Company analysis: KPIs, services and value

From three years of accounts to 42 health indicators, 29 service blocks showing what the company actually needs, and a DCF valuation.