Carculated Guides
About Carculated: The €10,000 Question
Why I built this calculator and how it helps you save thousands of euros.
Opportunity Costs: The Hidden Cost of Buying a Car
Paying cash feels safe. But does it make economic sense? An honest comparison with realistic numbers.
The 1% Rule Explained: Company Car Taxation Made Simple
Taxing your company car doesn’t have to be complex. We calculate when the flat-rate method beats the logbook.
The Company Car Privilege Exists: €60,000 Car for €229?
How to drive a brand new car at an unbeatable price using business conditions (Leasing Factor 0.5) and salary sacrifice.
Delivery & Co: The Hidden Costs of Car Leasing
The monthly rate looks cheap. But have you accounted for delivery fees, return damages, and mandatory maintenance?
Car Buying Risks
Paying cash feels safe. But lump-sum risks, depreciation roulette, and selling hassles can cost you dearly.
The €40,000 Lie: Why Paying Cash Makes You Poorer
"Cash is King"? Why opportunity costs are the biggest enemy of your wealth accumulation and how to calculate correctly.
What is a good leasing factor? Table & Examples 2026
Check your leasing factor in 10 seconds: Formula, 2026 table, examples, and calculator with down payment. Free and independent.
Residual Value Risk: Why selling cars is often frustrating
Diesel scandal, EV price wars, driving bans: Buying a car is a bet on the future. Why leasing hedges this bet.
Inflation: Why Fixed Rates Protect Your Wealth
Why leasing and financing act as a price brake in times of high inflation and create planning security.
EV Residual Value 2026: Why buying is a risk right now
Is your EV losing value rapidly? Learn why technology shifts and battery degradation make leasing the safer choice.
1% Rule vs. Driver's Log: When is a Company Car Worth It?
Flat-rate taxation or tracking every mile? The 0.25% rule for EVs changes everything. A guide for company car drivers in Germany.
3-Way Financing: The Most Expensive Way to Drive a Car
Small installments, huge final bill. Why balloon financing is often an interest trap and how dealerships profit from it.
The TCO Truth: What Your Car Really Costs
Gas and insurance are just the tip of the iceberg. Why we systematically miscalculate when it comes to cars.
Used Car Bubble: Why "Young Used" Cars Are Often No Bargain
It used to be: Buy a one-year-old car = save 30%. Today the market has gone crazy. Why new cars with discounts are often cheaper.