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Free, no-signup calculators that give clear answers on money and tech decisions — starting with German health insurance.
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Join VoidInsider — it's freeSelf-Hosting & Privacy
A breach-notification email lands — "your password was exposed" — and the reflex is to Google "private email provider" at 11pm. Here is what actually differs between Proton Mail and Tutanota day to day, and who genuinely needs to switch.
A fingerprinting headline or a slow, ad-tracker-choked page load sends people searching for the "best private browser." Here is how Brave, hardened Firefox, and LibreWolf actually differ day to day.
A headline about Telegram not being encrypted or Meta sharing WhatsApp metadata resurfaces the same guilty question: what does each app actually protect by default, and is switching worth the hassle?
Money in Germany
Germany's 2027 pension reform replaces Riester with the Altersvorsorgedepot, letting savers hold ETFs with an optional (not mandatory) capital guarantee. A worked subsidy table shows a parent of two paying €1,800/year receives €1,140 back in state top-ups.
You started a plain ETF Sparplan - then Riester got scrapped for a state-subsidised ETF pension from 2027. Are you missing free government money? A worked 30-year break-even across a plain ETF Sparplan, Riester, and the new Altersvorsorgedepot shows exactly who each route suits.
A worked, original cost table shows what Hausratversicherung actually costs for 60/90/120 m² German flats, built from the 650 €/m² Versicherungssumme rule and real published Tarifzone rates — showing why an identical policy can cost 2–4x more depending only on postcode.
Tech
Post-2026-price-hike Spotify and Apple Music costs compared in EUR and USD, with the real per-person math for Duo, Family, and Student plans and why the cheaper option flips by household size.
Two things flip the old advice in 2026: Spotify now has real lossless audio, and Apple Music is cheaper on most tiers. A decision table routing you to the one factor that should decide it, plus links to the full sound-quality, price, and three-way breakdowns.
Spotify Family now costs $21.99/mo. A real cost and maintenance-time comparison against self-hosting Navidrome on hardware you already own, a dedicated Pi, or a cheap cloud VPS -- and when it's actually worth ditching streaming.