Финансовые модели. Готовы для Вашего кода.

Investboard / Справочник разработчика

Финансовые модели. Готовы для Вашего кода.

Анализируйте свой портфель или запускайте те же модели, что и общедоступные калькуляторы. Отправьте JSON и получите результаты с допущениями, охватом и ограничениями. Результаты калькуляторов также включают ссылку на редактируемую страницу в браузере.

Без аккаунта и ключа API
Калькуляторы · Анализ портфеля
REST · JSON · API v1

Каталог JSON ↗OpenAPI 3.1 (на английском) ↗Методы, формулы и источники →Все калькуляторы →

Один запрос, один проверяемый расчет.

Этот пример моделирует план регулярных вложений в ETF с предполагаемой годовой доходностью. Он не прогнозирует результаты инвестиций. Для пропущенных полей применяются значения по умолчанию из каждой схемы.

cURL

curl 'https://investboard.com/api/v1/public/calculators/etf-sparplan' \
  -H 'Content-Type: application/json' \
  --data '{
  "inputs": {
    "monthly_rate": 500,
    "annual_return": 6,
    "annual_increase": 0,
    "years": 20
  },
  "locale": "ru",
  "asOf": "2026-10-15"
}'

Отрывок ответа · Полный ответ также содержит строки по годам, источники и ограничения

{
  "data": {
    "calculator": "etf-sparplan",
    "modelVersion": "2026-10-15.2",
    "inputs": {
      "initial_investment": 0,
      "monthly_rate": 500,
      "annual_increase": 0,
      "annual_return": 6,
      "years": 20,
      "include_tax_drag": false,
      "fondstyp": "AKTIENFONDS",
      "taxProfile": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      }
    },
    "asOf": "2026-10-15",
    "result": {
      "final_value": 232175.55,
      "total_contributions": 120000,
      "total_growth": 112175.55
    },
    "links": {
      "calculator": "https://investboard.com/ru/calculators/etf-savings-plan?lang=ru&initial_investment=0&monthly_rate=500&annual_increase=0&annual_return=6&years=20&include_tax_drag=false&fondstyp=AKTIENFONDS&taxProfile.bundesland=null&taxProfile.kirchensteuer=false&taxProfile.filing_status=single&taxProfile.sparerpauschbetrag_remaining=1000&asOf=2026-10-15&modelVersion=2026-10-15.2&via=api",
      "methodology": "https://investboard.com/calculators/etf-savings-plan",
      "documentation": "https://investboard.com/calculators/api"
    }
  },
  "error": null,
  "meta": {}
}

Запрос и ответ калькулятора.

POST /{slug}: Отправьте Content-Type: application/json и объект inputs. Идентификаторы калькуляторов не зависят от языка.
inputs: Для сумм в евро используйте числа JSON, а не центы и не форматированные валютные строки. Входные ставки задаются в процентных пунктах: 6 означает 6%. Неизвестные поля отклоняются.
locale: Необязательный код языка: de/en/es/it/fr/nl/cs/pl/ru/uk; по умолчанию en. Выбирает язык методологии и ссылки на калькулятор в браузере; сам расчёт не меняется.
asOf: Необязательная действительная календарная дата YYYY-MM-DD. По умолчанию текущая дата UTC. Задает дату отсчета для дат достижения целей накопления, а не налоговый год.
data / error / meta: Успешный запрос возвращает data с error: null. Неуспешный запрос возвращает data: null и код с сообщением внутри error. Считайте отсутствующие результаты недоступными, а не нулевыми.
Единицы результата: Суммы в EUR. Ставки налога и освобождения и taxRate являются долями (0,25 означает 25%). basiszins, effectiveWithdrawalRate и поля с окончанием _pct заданы в процентных пунктах. Число лет и месяцев сохраняет названия полей.

Выберите модель под свой вопрос.

Каждый пример и схема исходных данных ниже созданы из контракта проверки, используемого конечной точкой. Выполните GET конечной точки, чтобы получить ее схему и значения по умолчанию без расчета.

Калькулятор налога на доходы от капитала (Германия)abgeltungssteuer

Рассчитайте Kapitalertragsteuer (налог на доходы от капитала), Solidaritätszuschlag (солидарную надбавку) и Kirchensteuer (церковный налог) с доходов от капитала.

POST /api/v1/public/calculators/abgeltungssteuer

Пример тела запроса

{
  "inputs": {
    "kapitalertrag": 5000,
    "ertragsart": "general",
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "kapitalertrag": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 5000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "ertragsart": {
      "type": "string",
      "enum": [
        "general",
        "aktienverkauf",
        "dividende",
        "etf"
      ],
      "default": "general"
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "brutto_ertrag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "fsa_offset": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "steuerpflichtiger_ertrag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "kapitalertragsteuer": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "solidaritaetszuschlag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "kirchensteuer": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "gesamte_steuer": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "effektiver_steuersatz": {
      "type": "number",
      "description": "Fraction: 0.25 means 25%."
    },
    "netto_ertrag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "kirchensteuer_rate": {
      "type": "number",
      "description": "Fraction: 0.25 means 25%."
    },
    "teilfreistellung_betrag": {
      "type": "number",
      "description": "EUR, not cents."
    }
  },
  "required": [
    "brutto_ertrag",
    "fsa_offset",
    "steuerpflichtiger_ertrag",
    "kapitalertragsteuer",
    "solidaritaetszuschlag",
    "kirchensteuer",
    "gesamte_steuer",
    "effektiver_steuersatz",
    "netto_ertrag",
    "kirchensteuer_rate",
    "teilfreistellung_betrag"
  ],
  "additionalProperties": false
}

Открыть калькулятор →

Калькулятор дивиденда после налогов (Германия)netto-dividende

Что остается от дивиденда после Abgeltungsteuer, солидарной надбавки и церковного налога?

POST /api/v1/public/calculators/netto-dividende

Пример тела запроса

{
  "inputs": {
    "brutto_dividende": 500,
    "quelle": "aktie",
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "brutto_dividende": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 500,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "quelle": {
      "type": "string",
      "enum": [
        "aktie",
        "etf_aktien",
        "mischfonds"
      ],
      "default": "aktie"
    },
    "isin": {
      "type": "string",
      "pattern": "^[A-Z]{2}[A-Z0-9]{9}[0-9]$",
      "description": "Optional issuer ISIN used for country-level withholding assumptions; not a live security lookup."
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "brutto_dividende": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "teilfreistellung_rate": {
      "type": "number",
      "description": "Fraction: 0.25 means 25%."
    },
    "teilfreistellung_betrag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "steuerpflichtiger_betrag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "steuer": {
      "type": "object",
      "properties": {
        "brutto_ertrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "fsa_offset": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "steuerpflichtiger_ertrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "kapitalertragsteuer": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "solidaritaetszuschlag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "kirchensteuer": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "gesamte_steuer": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "effektiver_steuersatz": {
          "type": "number",
          "description": "Fraction: 0.25 means 25%."
        },
        "netto_ertrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "kirchensteuer_rate": {
          "type": "number",
          "description": "Fraction: 0.25 means 25%."
        }
      },
      "required": [
        "brutto_ertrag",
        "fsa_offset",
        "steuerpflichtiger_ertrag",
        "kapitalertragsteuer",
        "solidaritaetszuschlag",
        "kirchensteuer",
        "gesamte_steuer",
        "effektiver_steuersatz",
        "netto_ertrag",
        "kirchensteuer_rate"
      ],
      "additionalProperties": false
    },
    "quellensteuer_rate": {
      "type": "number",
      "description": "Fraction: 0.25 means 25%."
    },
    "quellensteuer_betrag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "anrechenbare_quellensteuer": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "erstattungsfaehige_quellensteuer": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "deutsche_reststeuer": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "quellensteuer_status": {
      "type": "string",
      "enum": [
        "credited",
        "fund_level",
        "none",
        "unavailable"
      ],
      "description": "unavailable means withholding was omitted because country assumptions are unavailable; none means no modeled investor withholding."
    },
    "netto_dividende": {
      "type": "number",
      "description": "EUR, not cents."
    }
  },
  "required": [
    "brutto_dividende",
    "teilfreistellung_rate",
    "teilfreistellung_betrag",
    "steuerpflichtiger_betrag",
    "steuer",
    "quellensteuer_rate",
    "quellensteuer_betrag",
    "anrechenbare_quellensteuer",
    "erstattungsfaehige_quellensteuer",
    "deutsche_reststeuer",
    "quellensteuer_status",
    "netto_dividende"
  ],
  "additionalProperties": false
}

Открыть калькулятор →

Калькулятор Vorabpauschale 2026 (авансовый налог)vorabpauschale

Рассчитайте авансовый налог по ETF и фондам за налоговые годы с 2024 по 2026, каждый с уплатой в январе следующего года.

POST /api/v1/public/calculators/vorabpauschale

Пример тела запроса

{
  "inputs": {
    "wert_jahresanfang": 10000,
    "wert_jahresende": 11500,
    "ausschuettungen": 0,
    "fondstyp": "AKTIENFONDS",
    "steuerjahr": 2025,
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "wert_jahresanfang": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 10000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "wert_jahresende": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 11500,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "ausschuettungen": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 0,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "fondstyp": {
      "type": "string",
      "enum": [
        "AKTIENFONDS",
        "MISCHFONDS",
        "IMMOBILIENFONDS",
        "IMMOBILIENFONDS_AUSLAND",
        "SONSTIGE"
      ],
      "default": "AKTIENFONDS"
    },
    "steuerjahr": {
      "anyOf": [
        {
          "type": "number",
          "enum": [
            2023
          ]
        },
        {
          "type": "number",
          "enum": [
            2024
          ]
        },
        {
          "type": "number",
          "enum": [
            2025
          ]
        },
        {
          "type": "number",
          "enum": [
            2026
          ]
        }
      ],
      "default": 2025,
      "description": "Only years with published Basiszins in the model are accepted. Single-position, full-year holding."
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "basiszins": {
      "type": "number",
      "description": "Percentage points: 4 means 4%."
    },
    "basisertrag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "wertsteigerung": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "vorabpauschale_brutto": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "teilfreistellung_rate": {
      "type": "number",
      "description": "Fraction: 0.25 means 25%."
    },
    "teilfreistellung_betrag": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "vorabpauschale_steuerpflichtig": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "steuer": {
      "type": "object",
      "properties": {
        "brutto_ertrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "fsa_offset": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "steuerpflichtiger_ertrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "kapitalertragsteuer": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "solidaritaetszuschlag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "kirchensteuer": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "gesamte_steuer": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "effektiver_steuersatz": {
          "type": "number",
          "description": "Fraction: 0.25 means 25%."
        },
        "netto_ertrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "kirchensteuer_rate": {
          "type": "number",
          "description": "Fraction: 0.25 means 25%."
        }
      },
      "required": [
        "brutto_ertrag",
        "fsa_offset",
        "steuerpflichtiger_ertrag",
        "kapitalertragsteuer",
        "solidaritaetszuschlag",
        "kirchensteuer",
        "gesamte_steuer",
        "effektiver_steuersatz",
        "netto_ertrag",
        "kirchensteuer_rate"
      ],
      "additionalProperties": false
    }
  },
  "required": [
    "basiszins",
    "basisertrag",
    "wertsteigerung",
    "vorabpauschale_brutto",
    "teilfreistellung_rate",
    "teilfreistellung_betrag",
    "vorabpauschale_steuerpflichtig",
    "steuer"
  ],
  "additionalProperties": false
}

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Калькулятор накапливающих и распределяющих фондовthesaurierer-vs-ausschuetter

Какой тип ETF дает больше капитала после немецких налогов? Долгосрочное сравнение с Vorabpauschale, частичным освобождением и необлагаемым лимитом сберегателя.

POST /api/v1/public/calculators/thesaurierer-vs-ausschuetter

Пример тела запроса

{
  "inputs": {
    "initial_investment": 10000,
    "monthly_contribution": 300,
    "annual_return": 7,
    "distribution_yield": 2,
    "years": 20,
    "fondstyp": "AKTIENFONDS",
    "reinvest_distributions": true,
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "initial_investment": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 10000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "monthly_contribution": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 300,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "annual_return": {
      "type": "number",
      "minimum": 1,
      "maximum": 15,
      "default": 7,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    },
    "distribution_yield": {
      "type": "number",
      "minimum": 0,
      "maximum": 6,
      "default": 2,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    },
    "years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 40,
      "default": 20
    },
    "fondstyp": {
      "type": "string",
      "enum": [
        "AKTIENFONDS",
        "MISCHFONDS",
        "SONSTIGE"
      ],
      "default": "AKTIENFONDS"
    },
    "reinvest_distributions": {
      "type": "boolean",
      "default": true
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "yearly_data": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "year": {
            "type": "integer",
            "minimum": 0,
            "description": "Year index from the start of the projection."
          },
          "thesaurierer_value": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "thesaurierer_vorabpauschale_tax": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "ausschuetter_value": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "ausschuetter_distribution_tax": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "ausschuetter_distributions_gross": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "ausschuetter_distributions_net": {
            "type": "number",
            "description": "EUR, not cents."
          }
        },
        "required": [
          "year",
          "thesaurierer_value",
          "thesaurierer_vorabpauschale_tax",
          "ausschuetter_value",
          "ausschuetter_distribution_tax",
          "ausschuetter_distributions_gross",
          "ausschuetter_distributions_net"
        ],
        "additionalProperties": false
      }
    },
    "thesaurierer_final": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "ausschuetter_final": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "thesaurierer_advantage_eur": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "thesaurierer_advantage_pct": {
      "type": "number",
      "description": "Percentage points: 4 means 4%."
    },
    "thesaurierer_total_taxes": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "ausschuetter_total_taxes": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "total_contributions": {
      "type": "number",
      "description": "EUR, not cents."
    }
  },
  "required": [
    "yearly_data",
    "thesaurierer_final",
    "ausschuetter_final",
    "thesaurierer_advantage_eur",
    "thesaurierer_advantage_pct",
    "thesaurierer_total_taxes",
    "ausschuetter_total_taxes",
    "total_contributions"
  ],
  "additionalProperties": false
}

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Оптимизатор Freistellungsauftrag (заявление об освобождении от удержания)freistellungsauftrag

Распределите необлагаемый лимит сберегателя между банками и брокерами, не оставляя его неиспользованным.

POST /api/v1/public/calculators/freistellungsauftrag

Пример тела запроса

{
  "inputs": {
    "brokers": [
      {
        "name": "Broker 1",
        "zinsen": 0,
        "dividenden": 0,
        "vorabpauschale": 0,
        "realisierte_gewinne": 0,
        "current_fsa": 0
      },
      {
        "name": "Broker 2",
        "zinsen": 0,
        "dividenden": 0,
        "vorabpauschale": 0,
        "realisierte_gewinne": 0,
        "current_fsa": 0
      }
    ],
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "brokers": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "name": {
            "type": "string",
            "minLength": 1,
            "maxLength": 60
          },
          "zinsen": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000,
            "default": 0,
            "description": "EUR, numeric JSON value (not cents or a formatted string)."
          },
          "dividenden": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000,
            "default": 0,
            "description": "EUR, numeric JSON value (not cents or a formatted string)."
          },
          "vorabpauschale": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000,
            "default": 0,
            "description": "EUR, numeric JSON value (not cents or a formatted string)."
          },
          "realisierte_gewinne": {
            "type": "number",
            "minimum": 0,
            "maximum": 100000000,
            "default": 0,
            "description": "EUR, numeric JSON value (not cents or a formatted string)."
          },
          "current_fsa": {
            "type": "number",
            "minimum": 0,
            "maximum": 2000,
            "default": 0,
            "description": "EUR, numeric JSON value (not cents or a formatted string)."
          }
        },
        "required": [
          "name"
        ],
        "additionalProperties": false
      },
      "minItems": 1,
      "maxItems": 6,
      "default": [
        {
          "name": "Broker 1",
          "zinsen": 0,
          "dividenden": 0,
          "vorabpauschale": 0,
          "realisierte_gewinne": 0,
          "current_fsa": 0
        },
        {
          "name": "Broker 2",
          "zinsen": 0,
          "dividenden": 0,
          "vorabpauschale": 0,
          "realisierte_gewinne": 0,
          "current_fsa": 0
        }
      ]
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "brokers": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "name": {
            "type": "string"
          },
          "expected_income": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "current_fsa": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "optimal_fsa": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "tax_with_current": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "tax_with_optimal": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "delta": {
            "type": "number",
            "description": "EUR, not cents."
          }
        },
        "required": [
          "name",
          "expected_income",
          "current_fsa",
          "optimal_fsa",
          "tax_with_current",
          "tax_with_optimal",
          "delta"
        ],
        "additionalProperties": false
      }
    },
    "total_expected_income": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "total_fsa_available": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "total_fsa_optimal": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "total_tax_current": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "total_tax_optimal": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "savings": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "warnings": {
      "type": "array",
      "items": {
        "oneOf": [
          {
            "type": "object",
            "properties": {
              "type": {
                "type": "string",
                "enum": [
                  "over_limit"
                ]
              },
              "message": {
                "type": "string"
              },
              "allocated": {
                "type": "number",
                "description": "EUR, not cents."
              },
              "allowance": {
                "type": "number",
                "description": "EUR, not cents."
              }
            },
            "required": [
              "type",
              "message",
              "allocated",
              "allowance"
            ],
            "additionalProperties": false
          },
          {
            "type": "object",
            "properties": {
              "type": {
                "type": "string",
                "enum": [
                  "under_utilised"
                ]
              },
              "message": {
                "type": "string"
              },
              "brokerIndex": {
                "type": "integer",
                "minimum": 0
              },
              "brokerName": {
                "type": "string"
              },
              "allocated": {
                "type": "number",
                "description": "EUR, not cents."
              },
              "expected": {
                "type": "number",
                "description": "EUR, not cents."
              }
            },
            "required": [
              "type",
              "message",
              "brokerIndex",
              "brokerName",
              "allocated",
              "expected"
            ],
            "additionalProperties": false
          },
          {
            "type": "object",
            "properties": {
              "type": {
                "type": "string",
                "enum": [
                  "january_risk"
                ]
              },
              "message": {
                "type": "string"
              },
              "brokerIndex": {
                "type": "integer",
                "minimum": 0
              },
              "brokerName": {
                "type": "string"
              },
              "preTax": {
                "type": "number",
                "description": "EUR, not cents."
              },
              "allocated": {
                "type": "number",
                "description": "EUR, not cents."
              }
            },
            "required": [
              "type",
              "message",
              "brokerIndex",
              "brokerName",
              "preTax",
              "allocated"
            ],
            "additionalProperties": false
          }
        ]
      }
    }
  },
  "required": [
    "brokers",
    "total_expected_income",
    "total_fsa_available",
    "total_fsa_optimal",
    "total_tax_current",
    "total_tax_optimal",
    "savings",
    "warnings"
  ],
  "additionalProperties": false
}

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Калькулятор регулярных вложений в ETF (Германия)etf-sparplan

Рассчитайте капитал через 10, 20 или 30 лет, при выборе с вычетом немецкого налога Vorabpauschale.

POST /api/v1/public/calculators/etf-sparplan

Пример тела запроса

{
  "inputs": {
    "initial_investment": 0,
    "monthly_rate": 300,
    "annual_increase": 2,
    "annual_return": 7,
    "years": 20,
    "include_tax_drag": false,
    "fondstyp": "AKTIENFONDS",
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "initial_investment": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 0,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "monthly_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 300,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "annual_increase": {
      "type": "number",
      "minimum": 0,
      "maximum": 10,
      "default": 2,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    },
    "annual_return": {
      "type": "number",
      "minimum": 1,
      "maximum": 15,
      "default": 7,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    },
    "years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 40,
      "default": 20
    },
    "include_tax_drag": {
      "type": "boolean",
      "default": false
    },
    "fondstyp": {
      "type": "string",
      "enum": [
        "AKTIENFONDS",
        "MISCHFONDS",
        "SONSTIGE"
      ],
      "default": "AKTIENFONDS"
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "yearly_data": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "year": {
            "type": "integer",
            "minimum": 0,
            "description": "Year index from the start of the projection."
          },
          "contributions_cumulative": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "value_before_tax": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "value_after_tax": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "annual_contribution": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "vorabpauschale_tax": {
            "type": "number",
            "description": "EUR, not cents."
          }
        },
        "required": [
          "year",
          "contributions_cumulative",
          "value_before_tax",
          "value_after_tax",
          "annual_contribution",
          "vorabpauschale_tax"
        ],
        "additionalProperties": false
      }
    },
    "final_value": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "total_contributions": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "total_growth": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "total_taxes_paid": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "final_value_no_tax": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "tax_drag_eur": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "tax_drag_pct": {
      "type": "number",
      "description": "Percentage points: 4 means 4%."
    }
  },
  "required": [
    "yearly_data",
    "final_value",
    "total_contributions",
    "total_growth",
    "total_taxes_paid",
    "final_value_no_tax",
    "tax_drag_eur",
    "tax_drag_pct"
  ],
  "additionalProperties": false
}

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Калькулятор резервного фондаnotgroschen

Какая финансовая подушка Вам нужна?

POST /api/v1/public/calculators/notgroschen

Пример тела запроса

{
  "inputs": {
    "monthlyExpenses": 2500,
    "bufferMonths": 6,
    "currentSavings": 0,
    "monthlySavingsCapacity": 300,
    "parkingVehicle": "tagesgeld"
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "monthlyExpenses": {
      "type": "number",
      "minimum": 1,
      "maximum": 100000000,
      "default": 2500,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "bufferMonths": {
      "anyOf": [
        {
          "type": "number",
          "enum": [
            3
          ]
        },
        {
          "type": "number",
          "enum": [
            6
          ]
        },
        {
          "type": "number",
          "enum": [
            9
          ]
        },
        {
          "type": "number",
          "enum": [
            12
          ]
        }
      ],
      "default": 6
    },
    "currentSavings": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 0,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "monthlySavingsCapacity": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 300,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "parkingVehicle": {
      "type": "string",
      "enum": [
        "tagesgeld",
        "geldmarkt_etf",
        "festgeld_leiter"
      ],
      "default": "tagesgeld"
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "targetAmount": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "deficit": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "monthsToTarget": {
      "type": "integer",
      "minimum": 0,
      "description": "Months to target, capped at 600; zero with a positive deficit and no saving capacity does not mean funded."
    },
    "targetUnreachable": {
      "type": "boolean",
      "description": "The 600-month horizon was exhausted. Also inspect deficit and saving capacity when monthsToTarget is zero."
    },
    "targetDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "UTC modeled target date; only meaningful if the target is funded or reachable with positive saving capacity."
    },
    "expectedReturn": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "recommendedVehicle": {
      "type": "string",
      "enum": [
        "tagesgeld",
        "geldmarkt_etf",
        "festgeld_leiter"
      ]
    }
  },
  "required": [
    "targetAmount",
    "deficit",
    "monthsToTarget",
    "targetUnreachable",
    "targetDate",
    "expectedReturn",
    "recommendedVehicle"
  ],
  "additionalProperties": false
}

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Калькулятор собственных средств на жильеeigenkapital

Сколько нужно для Вашей недвижимости?

POST /api/v1/public/calculators/eigenkapital

Пример тела запроса

{
  "inputs": {
    "purchasePrice": 350000,
    "bundesland": "nordrhein-westfalen",
    "eigenkapitalQuote": 20,
    "currentSavings": 30000,
    "monthlySavingsCapacity": 500,
    "savingsReturnPct": 4
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "purchasePrice": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 350000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "bundesland": {
      "type": "string",
      "enum": [
        "baden-wuerttemberg",
        "bayern",
        "berlin",
        "brandenburg",
        "bremen",
        "hamburg",
        "hessen",
        "mecklenburg-vorpommern",
        "niedersachsen",
        "nordrhein-westfalen",
        "rheinland-pfalz",
        "saarland",
        "sachsen",
        "sachsen-anhalt",
        "schleswig-holstein",
        "thueringen"
      ],
      "default": "nordrhein-westfalen"
    },
    "eigenkapitalQuote": {
      "type": "number",
      "minimum": 10,
      "maximum": 40,
      "default": 20,
      "description": "Equity percentage points, e.g. 20 for 20%."
    },
    "currentSavings": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 30000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "monthlySavingsCapacity": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 500,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "savingsReturnPct": {
      "type": "number",
      "minimum": 0,
      "maximum": 8,
      "default": 4,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "nebenkostenTotal": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "nebenkostenBreakdown": {
      "type": "object",
      "properties": {
        "grunderwerbsteuer": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "notarGrundbuch": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "makler": {
          "type": "number",
          "description": "EUR, not cents."
        }
      },
      "required": [
        "grunderwerbsteuer",
        "notarGrundbuch",
        "makler"
      ],
      "additionalProperties": false
    },
    "eigenkapitalRequired": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "totalUpfront": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "deficit": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "monthsToTarget": {
      "type": "integer",
      "minimum": 0,
      "description": "Months to target, capped at 600; zero with a positive deficit and no saving capacity does not mean funded."
    },
    "targetUnreachable": {
      "type": "boolean",
      "description": "The 600-month horizon was exhausted. Also inspect deficit and saving capacity when monthsToTarget is zero."
    },
    "targetDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "UTC modeled target date; only meaningful if the target is funded or reachable with positive saving capacity."
    },
    "monthlyMortgageEstimate": {
      "type": "number",
      "description": "EUR, not cents."
    }
  },
  "required": [
    "nebenkostenTotal",
    "nebenkostenBreakdown",
    "eigenkapitalRequired",
    "totalUpfront",
    "deficit",
    "monthsToTarget",
    "targetUnreachable",
    "targetDate",
    "monthlyMortgageEstimate"
  ],
  "additionalProperties": false
}

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Калькулятор пенсионного разрываrentenluecke

Чего не хватает для Вашей пенсии?

POST /api/v1/public/calculators/rentenluecke

Пример тела запроса

{
  "inputs": {
    "currentAge": 35,
    "retirementAge": 67,
    "grossMonthlyIncome": 4000,
    "workingYearsSoFar": 10,
    "desiredRetirementIncome": 2500,
    "existingPrivateProvision": 0,
    "monthlyContribution": 300,
    "annualReturnPct": 6
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "currentAge": {
      "type": "integer",
      "minimum": 18,
      "maximum": 65,
      "default": 35
    },
    "retirementAge": {
      "type": "integer",
      "minimum": 55,
      "maximum": 70,
      "default": 67
    },
    "grossMonthlyIncome": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 4000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "workingYearsSoFar": {
      "type": "integer",
      "minimum": 0,
      "maximum": 50,
      "default": 10
    },
    "desiredRetirementIncome": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 2500,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "existingPrivateProvision": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 0,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "monthlyContribution": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 300,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "annualReturnPct": {
      "type": "number",
      "minimum": 0,
      "maximum": 15,
      "default": 6,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "estimatedStatePension": {
      "type": "number",
      "description": "Estimated monthly state pension, EUR."
    },
    "monthlyGap": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "annualGap": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "capitalNeeded": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "capitalNeededAfterExisting": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "monthlySavingsNeeded": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "surplusOrDeficit": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "yearsUntilRetirement": {
      "type": "number",
      "description": "Elapsed years, possibly fractional."
    }
  },
  "required": [
    "estimatedStatePension",
    "monthlyGap",
    "annualGap",
    "capitalNeeded",
    "capitalNeededAfterExisting",
    "monthlySavingsNeeded",
    "surplusOrDeficit",
    "yearsUntilRetirement"
  ],
  "additionalProperties": false
}

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Калькулятор плана снятийentnahmeplan

На сколько хватит Вашего капитала?

POST /api/v1/public/calculators/entnahmeplan

Пример тела запроса

{
  "inputs": {
    "portfolioValue": 500000,
    "monthlyWithdrawal": 2000,
    "annualReturnPct": 5,
    "inflationPct": 2,
    "strategy": "constant_nominal",
    "percentageRate": 4,
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "portfolioValue": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 500000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "monthlyWithdrawal": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 2000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "annualReturnPct": {
      "type": "number",
      "minimum": 0,
      "maximum": 15,
      "default": 5,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    },
    "inflationPct": {
      "type": "number",
      "minimum": 0,
      "maximum": 5,
      "default": 2,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    },
    "strategy": {
      "type": "string",
      "enum": [
        "constant_nominal",
        "constant_real",
        "percentage"
      ],
      "default": "constant_nominal"
    },
    "percentageRate": {
      "type": "number",
      "minimum": 0.1,
      "maximum": 20,
      "default": 4,
      "description": "Annual withdrawal percentage points: 4 means 4%."
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "yearlyData": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "year": {
            "type": "integer",
            "minimum": 0,
            "description": "Year index from the start of the projection."
          },
          "balanceStart": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "withdrawal": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "grossWithdrawal": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "taxPaid": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "growth": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "balanceEnd": {
            "type": "number",
            "description": "EUR, not cents."
          }
        },
        "required": [
          "year",
          "balanceStart",
          "withdrawal",
          "grossWithdrawal",
          "taxPaid",
          "growth",
          "balanceEnd"
        ],
        "additionalProperties": false
      }
    },
    "yearsUntilDepletion": {
      "type": [
        "number",
        "null"
      ],
      "description": "Null means no depletion within the modeled horizon; it does not show that the withdrawals last for life."
    },
    "totalWithdrawals": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "totalTaxPaid": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "effectiveWithdrawalRate": {
      "type": "number",
      "description": "Percentage points: 4 means 4%."
    },
    "remainingAt80": {
      "type": [
        "number",
        "null"
      ],
      "description": "EUR at age 80; null if that age is outside the modeled age/horizon."
    },
    "remainingAt90": {
      "type": [
        "number",
        "null"
      ],
      "description": "EUR at age 90; null if that age is outside the modeled age/horizon."
    }
  },
  "required": [
    "yearlyData",
    "yearsUntilDepletion",
    "totalWithdrawals",
    "totalTaxPaid",
    "effectiveWithdrawalRate",
    "remainingAt80",
    "remainingAt90"
  ],
  "additionalProperties": false
}

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Калькулятор налога на дарениеschenkungsteuer

Рассчитайте необлагаемые лимиты и налоговые обязательства

POST /api/v1/public/calculators/schenkungsteuer

Пример тела запроса

{
  "inputs": {
    "relationship": "child",
    "giftAmount": 100000,
    "previousGifts10y": 0,
    "numberOfDonors": 1,
    "optimizeOverTime": false,
    "totalToTransfer": 100000
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "relationship": {
      "type": "string",
      "enum": [
        "spouse",
        "child",
        "grandchild",
        "sibling",
        "other"
      ],
      "default": "child"
    },
    "giftAmount": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 100000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "previousGifts10y": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 0,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "numberOfDonors": {
      "type": "integer",
      "minimum": 1,
      "maximum": 2,
      "default": 1
    },
    "optimizeOverTime": {
      "type": "boolean",
      "default": false
    },
    "totalToTransfer": {
      "type": "number",
      "minimum": 0,
      "maximum": 10000000,
      "default": 100000,
      "description": "Used only when optimizeOverTime is true. Prior gifts are not modeled by optimization."
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "anyOf": [
    {
      "type": "object",
      "properties": {
        "freibetrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "totalFreibetrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "taxableAmount": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "taxRate": {
          "type": "number",
          "description": "Fraction: 0.25 means 25%."
        },
        "taxDue": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "netGiftAmount": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "steuerklasse": {
          "type": "string",
          "enum": [
            "I",
            "II",
            "III"
          ]
        },
        "optimalSchedule": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "year": {
                "type": "integer",
                "minimum": 0,
                "description": "Year index from the start of the projection."
              },
              "amount": {
                "type": "number",
                "description": "EUR, not cents."
              },
              "taxFree": {
                "type": "boolean"
              },
              "taxDue": {
                "type": "number",
                "description": "EUR, not cents."
              }
            },
            "required": [
              "year",
              "amount",
              "taxFree",
              "taxDue"
            ],
            "additionalProperties": false
          }
        },
        "totalTaxSaved": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "yearsNeeded": {
          "type": "number",
          "description": "Elapsed years, possibly fractional."
        }
      },
      "required": [
        "freibetrag",
        "totalFreibetrag",
        "taxableAmount",
        "taxRate",
        "taxDue",
        "netGiftAmount",
        "steuerklasse",
        "optimalSchedule",
        "totalTaxSaved",
        "yearsNeeded"
      ],
      "additionalProperties": false
    },
    {
      "type": "object",
      "properties": {
        "freibetrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "totalFreibetrag": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "taxableAmount": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "taxRate": {
          "type": "number",
          "description": "Fraction: 0.25 means 25%."
        },
        "taxDue": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "netGiftAmount": {
          "type": "number",
          "description": "EUR, not cents."
        },
        "steuerklasse": {
          "type": "string",
          "enum": [
            "I",
            "II",
            "III"
          ]
        }
      },
      "required": [
        "freibetrag",
        "totalFreibetrag",
        "taxableAmount",
        "taxRate",
        "taxDue",
        "netGiftAmount",
        "steuerklasse"
      ],
      "additionalProperties": false
    }
  ],
  "description": "Scheduling mode adds optimalSchedule, totalTaxSaved and yearsNeeded. Single-gift mode returns the base fields."
}

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Калькулятор детского брокерского счетаjunior-depot

До какой суммы вырастут регулярные вложения ребенка?

POST /api/v1/public/calculators/junior-depot

Пример тела запроса

{
  "inputs": {
    "childAge": 0,
    "targetAge": 18,
    "monthlyContribution": 100,
    "initialDeposit": 0,
    "annualReturnPct": 7,
    "useKindergeld": false,
    "hasNVBescheinigung": false,
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "childAge": {
      "type": "integer",
      "minimum": 0,
      "maximum": 17,
      "default": 0
    },
    "targetAge": {
      "type": "integer",
      "minimum": 1,
      "maximum": 30,
      "default": 18
    },
    "monthlyContribution": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 100,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "initialDeposit": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 0,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "annualReturnPct": {
      "type": "number",
      "minimum": 0,
      "maximum": 15,
      "default": 7,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    },
    "useKindergeld": {
      "type": "boolean",
      "default": false
    },
    "hasNVBescheinigung": {
      "type": "boolean",
      "default": false
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "yearlyData": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "year": {
            "type": "integer",
            "minimum": 0,
            "description": "Year index from the start of the projection."
          },
          "age": {
            "type": "integer",
            "description": "Child age in years."
          },
          "contributionsCumulative": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "valueGross": {
            "type": "number",
            "description": "EUR, not cents."
          },
          "vorabpauschaleTax": {
            "type": "number",
            "description": "EUR, not cents."
          }
        },
        "required": [
          "year",
          "age",
          "contributionsCumulative",
          "valueGross",
          "vorabpauschaleTax"
        ],
        "additionalProperties": false
      }
    },
    "finalValueGross": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "totalContributions": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "totalGrowth": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "finalValueAfterTax": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "taxOnSale": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "vorabpauschaleCredited": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "nvSavings": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "kindergeldEquivalent": {
      "type": "string",
      "description": "Display text; use the numeric result fields for arithmetic."
    }
  },
  "required": [
    "yearlyData",
    "finalValueGross",
    "totalContributions",
    "totalGrowth",
    "finalValueAfterTax",
    "taxOnSale",
    "vorabpauschaleCredited",
    "nvSavings",
    "kindergeldEquivalent"
  ],
  "additionalProperties": false
}

Открыть калькулятор →

Калькулятор FIREfire-rechner

Когда Вы достигнете финансовой независимости?

POST /api/v1/public/calculators/fire-rechner

Пример тела запроса

{
  "inputs": {
    "monthlyExpenses": 2000,
    "currentPortfolio": 100000,
    "monthlyContribution": 1500,
    "annualReturnPct": 7,
    "withdrawalRatePct": 3.5,
    "currentAge": 30,
    "partTimeIncome": 1000,
    "targetRetirementAge": 55,
    "variant": "regular",
    "taxProfile": {
      "bundesland": null,
      "kirchensteuer": false,
      "filing_status": "single",
      "sparerpauschbetrag_remaining": 1000
    }
  },
  "locale": "ru"
}

Схема исходных данных · Значения по умолчанию и допустимые диапазоны (на английском)

{
  "type": "object",
  "properties": {
    "monthlyExpenses": {
      "type": "number",
      "minimum": 1,
      "maximum": 100000000,
      "default": 2000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "currentPortfolio": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 100000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "monthlyContribution": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 1500,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "annualReturnPct": {
      "type": "number",
      "minimum": 0,
      "maximum": 15,
      "default": 7,
      "description": "Annual percentage points: 6 means 6%, not 0.06."
    },
    "withdrawalRatePct": {
      "type": "number",
      "minimum": 2,
      "maximum": 6,
      "default": 3.5
    },
    "currentAge": {
      "type": "integer",
      "minimum": 18,
      "maximum": 70,
      "default": 30
    },
    "partTimeIncome": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "default": 1000,
      "description": "EUR, numeric JSON value (not cents or a formatted string)."
    },
    "targetRetirementAge": {
      "type": "integer",
      "minimum": 19,
      "maximum": 80,
      "default": 55
    },
    "variant": {
      "type": "string",
      "enum": [
        "regular",
        "coast",
        "barista"
      ],
      "default": "regular"
    },
    "taxProfile": {
      "type": "object",
      "properties": {
        "bundesland": {
          "anyOf": [
            {
              "type": "string",
              "enum": [
                "Baden-Württemberg",
                "Bayern",
                "Berlin",
                "Brandenburg",
                "Bremen",
                "Hamburg",
                "Hessen",
                "Mecklenburg-Vorpommern",
                "Niedersachsen",
                "Nordrhein-Westfalen",
                "Rheinland-Pfalz",
                "Saarland",
                "Sachsen",
                "Sachsen-Anhalt",
                "Schleswig-Holstein",
                "Thüringen"
              ]
            },
            {
              "type": "null"
            }
          ],
          "default": null
        },
        "kirchensteuer": {
          "type": "boolean",
          "default": false
        },
        "filing_status": {
          "type": "string",
          "enum": [
            "single",
            "joint"
          ],
          "default": "single"
        },
        "sparerpauschbetrag_remaining": {
          "type": "number",
          "minimum": 0,
          "maximum": 2000,
          "default": 1000,
          "description": "Remaining EUR allowance for single-year tax calculations. Multi-year projections use the full annual statutory allowance based on filing_status."
        }
      },
      "default": {
        "bundesland": null,
        "kirchensteuer": false,
        "filing_status": "single",
        "sparerpauschbetrag_remaining": 1000
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false,
  "description": "Coast FIRE requires a future target age and a nominal return above 2% (the model inflation assumption)."
}

Схема результата · Единицы и значения null (на английском)

{
  "type": "object",
  "properties": {
    "fireNumber": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "fireNumberPreTax": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "yearsToFire": {
      "type": [
        "number",
        "null"
      ],
      "description": "Null means the target was not reached within the 50-year modeled horizon."
    },
    "monthlyContributionNeeded": {
      "type": "number",
      "description": "EUR, not cents."
    },
    "coastFireNumber": {
      "type": [
        "number",
        "null"
      ],
      "description": "Null when Coast FIRE does not apply."
    },
    "coastFireAge": {
      "type": [
        "number",
        "null"
      ],
      "description": "Absolute age in years; null when Coast FIRE age is not applicable, including an already-funded portfolio."
    },
    "baristaIncomeNeeded": {
      "type": [
        "number",
        "null"
      ],
      "description": "Annual part-time income in EUR; null when the Barista calculation does not apply."
    },
    "baristaPortfolioNeeded": {
      "type": [
        "number",
        "null"
      ],
      "description": "Null when the Barista calculation does not apply."
    },
    "effectiveMultiplier": {
      "type": "number",
      "description": "Multiple of annual expenses, not a percentage or EUR amount."
    }
  },
  "required": [
    "fireNumber",
    "fireNumberPreTax",
    "yearsToFire",
    "monthlyContributionNeeded",
    "coastFireNumber",
    "coastFireAge",
    "baristaIncomeNeeded",
    "baristaPortfolioNeeded",
    "effectiveMultiplier"
  ],
  "additionalProperties": false
}

Открыть калькулятор →

Предоставьте позиции. Спросите о всем портфеле.

Анализируйте портфель без аккаунта Investboard. Передайте ISIN и веса или рыночную стоимость. Один запрос возвращает пересечения, базовые компании, концентрацию, секторы, географию, валюты, распределение и текущие затраты фондов. Отдельные конечные точки добавляют сценарии затрат, отрасли и темы, географию выручки, сравнения до и после, бюджеты пополнения, альтернативы ETF, кризисные сценарии и историческое воспроизведение.

Методология и ограничения →Каталог портфеля ↗OpenAPI портфеля (на английском) ↗Руководство агента в Markdown (на английском) ↗

Пример запроса · Веса задаются долями

curl 'https://investboard.com/api/v1/public/portfolio-analysis' \
  -H 'Content-Type: application/json' \
  --data '{
  "basis": "weights",
  "baseCurrency": "EUR",
  "holdings": [
    {
      "isin": "IE00B4L5Y983",
      "weight": 0.6
    },
    {
      "isin": "IE00B3XXRP09",
      "weight": 0.3
    },
    {
      "assetClass": "cash",
      "currency": "EUR",
      "weight": 0.1
    }
  ],
  "locale": "ru"
}'

Используйте basis: weights с положительными долями с суммой 1 или basis: values с положительной рыночной стоимостью, уже пересчитанной в baseCurrency. Не смешивайте веса со стоимостью или исходные валюты. Повторяющиеся ISIN объединяются по брокерам. Денежные средства используют assetClass: cash и валюту. Запросы снимка и стресс-анализа с весами возвращают денежные результаты null. Историческое воспроизведение использует явные гипотетические суммы вложений.

Пример запроса · Стоимость уже пересчитана в EUR

{
  "basis": "values",
  "baseCurrency": "EUR",
  "holdings": [
    {
      "isin": "IE00B4L5Y983",
      "value": 6000
    },
    {
      "isin": "IE00B3XXRP09",
      "value": 3000
    },
    {
      "assetClass": "cash",
      "currency": "EUR",
      "value": 1000
    }
  ],
  "locale": "ru"
}

Дополнительный анализ · Отдельные запросы

Используйте собственные примеры и схемы каждой конечной точки ниже. Влиянию затрат нужны явные допущения о доходности и комиссиях. География выручки исследует до 25 базовых компаний и сохраняет неохваченный вес. Сравнения с неполными разделами скрывают их изменения. Планированию пополнения нужны стоимость портфеля и Ваши цели; нераспределенные деньги остаются денежными средствами.

Долгосрочное влияние издержек
Отрасли и темы
География выручки
Сравнить изменения портфеля
Целевое распределение и планирование взноса
Сравнить альтернативы ETF
Кризисные стресс-сценарии
Историческое воспроизведение портфеля

Прочитайте состояние раздела перед числами.

Каждый раздел содержит status, reasons и data. HTTP 200 может включать частичные или недоступные разделы. Восемь конечных точек снимка отмечают остальные разделы как not_requested. Отдельные конечные точки имеют собственную схему ввода и возвращают capability и analysis; проверяйте analysis.status. Неизвестные позиции остаются в распределении как unknown и в знаменателе портфеля. Разделы базовых акций описывают распознанную совокупность; концентрация не показывается, если хотя бы одна позиция не распознана.

Распределение охватывает предоставленный портфель. Раскрытие состава фондов, секторы, страны, регионы и базовая валютная зависимость охватывают акции. Веса групп относятся ко всему предоставленному портфелю; portfolioShare указывает совокупность акций, а coverage ее классифицированную долю. Веса концентрации компаний относятся к совокупности эмитентов акций. Фонды облигаций, денежных средств, золота и криптовалют остаются целиком в распределении активов.

Базовая валютная зависимость моделируется по странам компаний и валютным хеджам, указанным фондами. Она отличается от heldCurrencies, описывающего распознанные валюты листинга и денежные средства. Это не валюты выручки и не измеренная чувствительность к валютным курсам.

Затраты охватывают текущие расходы фондов. weightedTer относится к охваченным фондам, а не всему портфелю. knownAnnualCost является известным подытогом при неполном охвате. Отсутствующий или нулевой TER поставщика неизвестен. Комиссии брокера, спреды и налоги исключены.

Результаты сопровождаются датами состава и охватом. Отсутствующие данные остаются неизвестными. Пустой список пересечений при неполном составе фондов не доказывает отсутствия пересечений; пары ниже 1% пропускаются. HHI, эффективное число эмитентов и названные эмитенты не показываются при охвате эмитентов ниже 80%. Число возвращаемых позиций и компаний ограничено limit; tailWeight сохраняет пропущенную долю.

Альтернативы ETF сравнивают не более десяти кандидатов из Вашего списка ISIN или общего каталога. Стресс-сценарии используют приближенные кризисные модели с опубликованными источниками. Историческое воспроизведение моделирует Ваш текущий состав по датированным ценам и валютным курсам; оно не показывает результаты при отсутствии истории любой позиции и раскрывает учет дивидендов и беспроцентных денежных средств. Взносы начинаются с нулевого дня. Это сравнения и моделирование, а не инвестиционные рекомендации или фактическая динамика счета.

До 25 предоставленных позиций на снимок и 16 KiB на запрос. Для анализа портфеля действует отдельный общий лимит 60 единиц на IP в минуту: по одной на предоставленную позицию (оба снимка для compare), плюс 25 зарезервированных единиц компаний для revenue-geography. Историческое воспроизведение стоит две единицы на позицию; альтернативы ETF по две на исходный фонд или кандидата с резервом на десять кандидатов при чтении каталога. cost-drag и discovery стоят одну. При сбоях ограничение действует по возможности. Соблюдайте Retry-After при HTTP 429. Междоменные клиенты используют credentials: omit.

Отправляйте позиции в телах POST-запросов. Предоставленный портфель и результаты анализа не сохраняются; общие кеши справочных данных могут заполняться. Возвращаемые ссылки документации не содержат позиций. События использования содержат только операцию, известную возможность, состояние, длительность и число позиций.

Схемы ввода, результатов и справочник конечных точек

Общая схема исходных данных (на английском)

{
  "anyOf": [
    {
      "type": "object",
      "properties": {
        "baseCurrency": {
          "type": "string",
          "pattern": "^[A-Za-z]{3}$",
          "default": "EUR"
        },
        "locale": {
          "type": "string",
          "enum": [
            "de",
            "en",
            "es",
            "it",
            "fr",
            "nl",
            "cs",
            "pl",
            "ru",
            "uk"
          ],
          "default": "en"
        },
        "limit": {
          "type": "integer",
          "minimum": 1,
          "maximum": 100,
          "default": 50,
          "description": "Maximum returned companies and underlying positions; tails retain omitted weight."
        },
        "basis": {
          "type": "string",
          "enum": [
            "weights"
          ],
          "default": "weights"
        },
        "holdings": {
          "type": "array",
          "items": {
            "anyOf": [
              {
                "type": "object",
                "properties": {
                  "isin": {
                    "type": "string",
                    "pattern": "^[A-Z]{2}[A-Z0-9]{9}[0-9]$"
                  },
                  "weight": {
                    "type": "number",
                    "minimum": 0,
                    "maximum": 1,
                    "exclusiveMinimum": 0,
                    "description": "Share of the entire submitted portfolio: 0.6 means 60%."
                  }
                },
                "required": [
                  "isin",
                  "weight"
                ],
                "additionalProperties": false
              },
              {
                "type": "object",
                "properties": {
                  "assetClass": {
                    "type": "string",
                    "enum": [
                      "cash"
                    ]
                  },
                  "currency": {
                    "type": "string",
                    "pattern": "^[A-Za-z]{3}$"
                  },
                  "weight": {
                    "type": "number",
                    "minimum": 0,
                    "maximum": 1,
                    "exclusiveMinimum": 0,
                    "description": "Share of the entire submitted portfolio: 0.6 means 60%."
                  }
                },
                "required": [
                  "assetClass",
                  "currency",
                  "weight"
                ],
                "additionalProperties": false
              }
            ]
          },
          "minItems": 1,
          "maxItems": 25
        }
      },
      "required": [
        "holdings"
      ],
      "additionalProperties": false
    },
    {
      "type": "object",
      "properties": {
        "baseCurrency": {
          "type": "string",
          "pattern": "^[A-Za-z]{3}$",
          "default": "EUR"
        },
        "locale": {
          "type": "string",
          "enum": [
            "de",
            "en",
            "es",
            "it",
            "fr",
            "nl",
            "cs",
            "pl",
            "ru",
            "uk"
          ],
          "default": "en"
        },
        "limit": {
          "type": "integer",
          "minimum": 1,
          "maximum": 100,
          "default": 50,
          "description": "Maximum returned companies and underlying positions; tails retain omitted weight."
        },
        "basis": {
          "type": "string",
          "enum": [
            "values"
          ]
        },
        "holdings": {
          "type": "array",
          "items": {
            "anyOf": [
              {
                "type": "object",
                "properties": {
                  "isin": {
                    "type": "string",
                    "pattern": "^[A-Z]{2}[A-Z0-9]{9}[0-9]$"
                  },
                  "value": {
                    "type": "number",
                    "exclusiveMinimum": 0,
                    "maximum": 100000000,
                    "description": "Market value already converted to baseCurrency. Never a native-currency amount."
                  }
                },
                "required": [
                  "isin",
                  "value"
                ],
                "additionalProperties": false
              },
              {
                "type": "object",
                "properties": {
                  "assetClass": {
                    "type": "string",
                    "enum": [
                      "cash"
                    ]
                  },
                  "currency": {
                    "type": "string",
                    "pattern": "^[A-Za-z]{3}$"
                  },
                  "value": {
                    "type": "number",
                    "exclusiveMinimum": 0,
                    "maximum": 100000000,
                    "description": "Market value already converted to baseCurrency. Never a native-currency amount."
                  }
                },
                "required": [
                  "assetClass",
                  "currency",
                  "value"
                ],
                "additionalProperties": false
              }
            ]
          },
          "minItems": 1,
          "maxItems": 25
        }
      },
      "required": [
        "basis",
        "holdings"
      ],
      "additionalProperties": false
    }
  ]
}

Полная схема ответа (на английском)

{
  "type": "object",
  "properties": {
    "modelVersion": {
      "type": "string"
    },
    "computedAt": {
      "type": "string",
      "format": "date-time"
    },
    "baseCurrency": {
      "type": "string"
    },
    "basis": {
      "type": "string",
      "enum": [
        "weights",
        "values"
      ]
    },
    "totalValue": {
      "type": [
        "number",
        "null"
      ],
      "minimum": 0
    },
    "resolvedPortfolioWeight": {
      "type": "number",
      "minimum": 0,
      "maximum": 1
    },
    "constituentsAsOf": {
      "type": [
        "string",
        "null"
      ],
      "description": "Oldest known fund-constituent date; null when unavailable. Not the date of all reference data."
    },
    "holdings": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "isin": {
            "type": [
              "string",
              "null"
            ]
          },
          "name": {
            "type": "string"
          },
          "weight": {
            "type": "number",
            "minimum": 0,
            "maximum": 1
          },
          "value": {
            "type": [
              "number",
              "null"
            ],
            "minimum": 0
          },
          "assetClass": {
            "type": [
              "string",
              "null"
            ]
          },
          "status": {
            "type": "string",
            "enum": [
              "resolved",
              "unresolved"
            ]
          }
        },
        "required": [
          "isin",
          "name",
          "weight",
          "value",
          "assetClass",
          "status"
        ],
        "additionalProperties": false
      }
    },
    "analyses": {
      "type": "object",
      "properties": {
        "allocation": {
          "type": "object",
          "properties": {
            "status": {
              "type": "string",
              "enum": [
                "ok",
                "partial",
                "unavailable",
                "not_requested"
              ]
            },
            "reasons": {
              "type": "array",
              "items": {
                "type": "string",
                "enum": [
                  "unresolved_holdings",
                  "provider_unavailable",
                  "incomplete_coverage",
                  "no_equities",
                  "fewer_than_two_funds"
                ]
              }
            },
            "data": {
              "type": [
                "object",
                "null"
              ],
              "properties": {
                "scope": {
                  "type": "string",
                  "enum": [
                    "whole_portfolio"
                  ]
                },
                "coverage": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1
                },
                "buckets": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "key": {
                        "type": "string"
                      },
                      "weight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1,
                        "description": "Share of the entire submitted portfolio, including unresolved holdings in the denominator."
                      },
                      "value": {
                        "type": [
                          "number",
                          "null"
                        ],
                        "minimum": 0,
                        "description": "Amount in baseCurrency; null for weight-only requests."
                      }
                    },
                    "required": [
                      "key",
                      "weight",
                      "value"
                    ],
                    "additionalProperties": false
                  }
                }
              },
              "required": [
                "scope",
                "coverage",
                "buckets"
              ],
              "additionalProperties": false
            }
          },
          "required": [
            "status",
            "reasons",
            "data"
          ],
          "additionalProperties": false
        },
        "overlap": {
          "type": "object",
          "properties": {
            "status": {
              "type": "string",
              "enum": [
                "ok",
                "partial",
                "unavailable",
                "not_requested"
              ]
            },
            "reasons": {
              "type": "array",
              "items": {
                "type": "string",
                "enum": [
                  "unresolved_holdings",
                  "provider_unavailable",
                  "incomplete_coverage",
                  "no_equities",
                  "fewer_than_two_funds"
                ]
              }
            },
            "data": {
              "type": [
                "object",
                "null"
              ],
              "properties": {
                "method": {
                  "type": "string",
                  "enum": [
                    "sum_minimum_constituent_weights"
                  ]
                },
                "fundCount": {
                  "type": "integer",
                  "minimum": 0
                },
                "pairs": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "fundA": {
                        "type": "string"
                      },
                      "fundB": {
                        "type": "string"
                      },
                      "isinA": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "isinB": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "overlap": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1,
                        "description": "Sum of the smaller constituent weights in the two funds, not a percentage of the portfolio."
                      },
                      "sharedCount": {
                        "type": "integer",
                        "minimum": 0
                      },
                      "sharedTail": {
                        "type": [
                          "object",
                          "null"
                        ],
                        "properties": {
                          "count": {
                            "type": "integer",
                            "minimum": 0
                          },
                          "weight": {
                            "type": "number",
                            "minimum": 0,
                            "maximum": 1
                          }
                        },
                        "required": [
                          "count",
                          "weight"
                        ],
                        "additionalProperties": false,
                        "description": "Shared constituents beyond the returned list; weight uses the same overlap measure as the headline."
                      },
                      "sharedHoldings": {
                        "type": "array",
                        "items": {
                          "type": "object",
                          "properties": {
                            "id": {
                              "type": "string"
                            },
                            "name": {
                              "type": "string"
                            },
                            "weightInA": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 1
                            },
                            "weightInB": {
                              "type": "number",
                              "minimum": 0,
                              "maximum": 1
                            }
                          },
                          "required": [
                            "id",
                            "name",
                            "weightInA",
                            "weightInB"
                          ],
                          "additionalProperties": false
                        }
                      }
                    },
                    "required": [
                      "fundA",
                      "fundB",
                      "isinA",
                      "isinB",
                      "overlap",
                      "sharedCount",
                      "sharedTail",
                      "sharedHoldings"
                    ],
                    "additionalProperties": false
                  }
                },
                "funds": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "isin": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "name": {
                        "type": "string"
                      },
                      "status": {
                        "type": "string",
                        "enum": [
                          "full",
                          "partial",
                          "none"
                        ]
                      },
                      "coveredWeight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1
                      },
                      "asOf": {
                        "type": [
                          "string",
                          "null"
                        ]
                      }
                    },
                    "required": [
                      "isin",
                      "name",
                      "status",
                      "coveredWeight",
                      "asOf"
                    ],
                    "additionalProperties": false
                  }
                }
              },
              "required": [
                "method",
                "fundCount",
                "pairs",
                "funds"
              ],
              "additionalProperties": false
            }
          },
          "required": [
            "status",
            "reasons",
            "data"
          ],
          "additionalProperties": false
        },
        "look-through": {
          "type": "object",
          "properties": {
            "status": {
              "type": "string",
              "enum": [
                "ok",
                "partial",
                "unavailable",
                "not_requested"
              ]
            },
            "reasons": {
              "type": "array",
              "items": {
                "type": "string",
                "enum": [
                  "unresolved_holdings",
                  "provider_unavailable",
                  "incomplete_coverage",
                  "no_equities",
                  "fewer_than_two_funds"
                ]
              }
            },
            "data": {
              "type": [
                "object",
                "null"
              ],
              "properties": {
                "scope": {
                  "type": "string",
                  "enum": [
                    "equities"
                  ]
                },
                "positions": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "id": {
                        "type": "string"
                      },
                      "isin": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "name": {
                        "type": "string"
                      },
                      "weight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1
                      },
                      "value": {
                        "type": [
                          "number",
                          "null"
                        ],
                        "minimum": 0
                      },
                      "sector": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "region": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "provenance": {
                        "type": "object",
                        "properties": {
                          "direct": {
                            "type": "number",
                            "minimum": 0,
                            "maximum": 1
                          },
                          "viaFunds": {
                            "type": "array",
                            "items": {
                              "type": "object",
                              "properties": {
                                "fund": {
                                  "type": "string"
                                },
                                "weight": {
                                  "type": "number",
                                  "minimum": 0,
                                  "maximum": 1
                                },
                                "shareInFund": {
                                  "type": "number",
                                  "minimum": 0,
                                  "maximum": 1
                                }
                              },
                              "required": [
                                "fund",
                                "weight",
                                "shareInFund"
                              ],
                              "additionalProperties": false
                            }
                          }
                        },
                        "required": [
                          "direct",
                          "viaFunds"
                        ],
                        "additionalProperties": false
                      }
                    },
                    "required": [
                      "id",
                      "isin",
                      "name",
                      "weight",
                      "value",
                      "sector",
                      "region",
                      "provenance"
                    ],
                    "additionalProperties": false
                  }
                },
                "positionCount": {
                  "type": "integer",
                  "minimum": 0
                },
                "unresolvedFundWeight": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1,
                  "description": "Whole-portfolio share in undissolved equity fund remainders; these are not named companies."
                },
                "tailWeight": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1
                },
                "funds": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "isin": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "name": {
                        "type": "string"
                      },
                      "status": {
                        "type": "string",
                        "enum": [
                          "full",
                          "partial",
                          "none"
                        ]
                      },
                      "coveredWeight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1
                      },
                      "asOf": {
                        "type": [
                          "string",
                          "null"
                        ]
                      }
                    },
                    "required": [
                      "isin",
                      "name",
                      "status",
                      "coveredWeight",
                      "asOf"
                    ],
                    "additionalProperties": false
                  }
                }
              },
              "required": [
                "scope",
                "positions",
                "positionCount",
                "unresolvedFundWeight",
                "tailWeight",
                "funds"
              ],
              "additionalProperties": false
            }
          },
          "required": [
            "status",
            "reasons",
            "data"
          ],
          "additionalProperties": false
        },
        "concentration": {
          "type": "object",
          "properties": {
            "status": {
              "type": "string",
              "enum": [
                "ok",
                "partial",
                "unavailable",
                "not_requested"
              ]
            },
            "reasons": {
              "type": "array",
              "items": {
                "type": "string",
                "enum": [
                  "unresolved_holdings",
                  "provider_unavailable",
                  "incomplete_coverage",
                  "no_equities",
                  "fewer_than_two_funds"
                ]
              }
            },
            "data": {
              "type": [
                "object",
                "null"
              ],
              "properties": {
                "scope": {
                  "type": "string",
                  "enum": [
                    "equities"
                  ]
                },
                "coverage": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1
                },
                "issuers": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "issuerId": {
                        "type": "string"
                      },
                      "name": {
                        "type": "string"
                      },
                      "weight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1
                      }
                    },
                    "required": [
                      "issuerId",
                      "name",
                      "weight"
                    ],
                    "additionalProperties": false
                  }
                },
                "issuerCount": {
                  "type": [
                    "integer",
                    "null"
                  ],
                  "minimum": 0
                },
                "tailWeight": {
                  "type": [
                    "number",
                    "null"
                  ],
                  "minimum": 0,
                  "maximum": 1
                },
                "largestIssuer": {
                  "type": [
                    "object",
                    "null"
                  ],
                  "properties": {
                    "issuerId": {
                      "type": "string"
                    },
                    "name": {
                      "type": "string"
                    },
                    "weight": {
                      "type": "number",
                      "minimum": 0,
                      "maximum": 1
                    }
                  },
                  "required": [
                    "issuerId",
                    "name",
                    "weight"
                  ],
                  "additionalProperties": false
                },
                "hhi": {
                  "type": [
                    "number",
                    "null"
                  ],
                  "minimum": 0,
                  "maximum": 1,
                  "description": "Herfindahl index over the equity issuer book; withheld below 80% coverage."
                },
                "effectiveN": {
                  "type": [
                    "number",
                    "null"
                  ],
                  "minimum": 0,
                  "description": "Effective issuer count; withheld below 80% coverage."
                }
              },
              "required": [
                "scope",
                "coverage",
                "issuers",
                "issuerCount",
                "tailWeight",
                "largestIssuer",
                "hhi",
                "effectiveN"
              ],
              "additionalProperties": false
            }
          },
          "required": [
            "status",
            "reasons",
            "data"
          ],
          "additionalProperties": false
        },
        "sectors": {
          "type": "object",
          "properties": {
            "status": {
              "type": "string",
              "enum": [
                "ok",
                "partial",
                "unavailable",
                "not_requested"
              ]
            },
            "reasons": {
              "type": "array",
              "items": {
                "type": "string",
                "enum": [
                  "unresolved_holdings",
                  "provider_unavailable",
                  "incomplete_coverage",
                  "no_equities",
                  "fewer_than_two_funds"
                ]
              }
            },
            "data": {
              "type": [
                "object",
                "null"
              ],
              "properties": {
                "scope": {
                  "type": "string",
                  "enum": [
                    "equities"
                  ]
                },
                "portfolioShare": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1,
                  "description": "Equity share of the entire submitted portfolio that this dimension evaluates."
                },
                "coverage": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1,
                  "description": "Classified share of this dimension's equity population."
                },
                "buckets": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "key": {
                        "type": "string"
                      },
                      "weight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1,
                        "description": "Share of the entire submitted portfolio, including unresolved holdings in the denominator."
                      },
                      "value": {
                        "type": [
                          "number",
                          "null"
                        ],
                        "minimum": 0,
                        "description": "Amount in baseCurrency; null for weight-only requests."
                      }
                    },
                    "required": [
                      "key",
                      "weight",
                      "value"
                    ],
                    "additionalProperties": false
                  }
                }
              },
              "required": [
                "scope",
                "portfolioShare",
                "coverage",
                "buckets"
              ],
              "additionalProperties": false
            }
          },
          "required": [
            "status",
            "reasons",
            "data"
          ],
          "additionalProperties": false
        },
        "geography": {
          "type": "object",
          "properties": {
            "status": {
              "type": "string",
              "enum": [
                "ok",
                "partial",
                "unavailable",
                "not_requested"
              ]
            },
            "reasons": {
              "type": "array",
              "items": {
                "type": "string",
                "enum": [
                  "unresolved_holdings",
                  "provider_unavailable",
                  "incomplete_coverage",
                  "no_equities",
                  "fewer_than_two_funds"
                ]
              }
            },
            "data": {
              "type": [
                "object",
                "null"
              ],
              "properties": {
                "countries": {
                  "type": "object",
                  "properties": {
                    "scope": {
                      "type": "string",
                      "enum": [
                        "equities"
                      ]
                    },
                    "portfolioShare": {
                      "type": "number",
                      "minimum": 0,
                      "maximum": 1,
                      "description": "Equity share of the entire submitted portfolio that this dimension evaluates."
                    },
                    "coverage": {
                      "type": "number",
                      "minimum": 0,
                      "maximum": 1,
                      "description": "Classified share of this dimension's equity population."
                    },
                    "buckets": {
                      "type": "array",
                      "items": {
                        "type": "object",
                        "properties": {
                          "key": {
                            "type": "string"
                          },
                          "weight": {
                            "type": "number",
                            "minimum": 0,
                            "maximum": 1,
                            "description": "Share of the entire submitted portfolio, including unresolved holdings in the denominator."
                          },
                          "value": {
                            "type": [
                              "number",
                              "null"
                            ],
                            "minimum": 0,
                            "description": "Amount in baseCurrency; null for weight-only requests."
                          }
                        },
                        "required": [
                          "key",
                          "weight",
                          "value"
                        ],
                        "additionalProperties": false
                      }
                    }
                  },
                  "required": [
                    "scope",
                    "portfolioShare",
                    "coverage",
                    "buckets"
                  ],
                  "additionalProperties": false
                },
                "regions": {
                  "type": "object",
                  "properties": {
                    "scope": {
                      "type": "string",
                      "enum": [
                        "equities"
                      ]
                    },
                    "portfolioShare": {
                      "type": "number",
                      "minimum": 0,
                      "maximum": 1,
                      "description": "Equity share of the entire submitted portfolio that this dimension evaluates."
                    },
                    "coverage": {
                      "type": "number",
                      "minimum": 0,
                      "maximum": 1,
                      "description": "Classified share of this dimension's equity population."
                    },
                    "buckets": {
                      "type": "array",
                      "items": {
                        "type": "object",
                        "properties": {
                          "key": {
                            "type": "string"
                          },
                          "weight": {
                            "type": "number",
                            "minimum": 0,
                            "maximum": 1,
                            "description": "Share of the entire submitted portfolio, including unresolved holdings in the denominator."
                          },
                          "value": {
                            "type": [
                              "number",
                              "null"
                            ],
                            "minimum": 0,
                            "description": "Amount in baseCurrency; null for weight-only requests."
                          }
                        },
                        "required": [
                          "key",
                          "weight",
                          "value"
                        ],
                        "additionalProperties": false
                      }
                    }
                  },
                  "required": [
                    "scope",
                    "portfolioShare",
                    "coverage",
                    "buckets"
                  ],
                  "additionalProperties": false
                }
              },
              "required": [
                "countries",
                "regions"
              ],
              "additionalProperties": false
            }
          },
          "required": [
            "status",
            "reasons",
            "data"
          ],
          "additionalProperties": false
        },
        "currencies": {
          "type": "object",
          "properties": {
            "status": {
              "type": "string",
              "enum": [
                "ok",
                "partial",
                "unavailable",
                "not_requested"
              ]
            },
            "reasons": {
              "type": "array",
              "items": {
                "type": "string",
                "enum": [
                  "unresolved_holdings",
                  "provider_unavailable",
                  "incomplete_coverage",
                  "no_equities",
                  "fewer_than_two_funds"
                ]
              }
            },
            "data": {
              "type": [
                "object",
                "null"
              ],
              "properties": {
                "equityExposure": {
                  "type": "object",
                  "properties": {
                    "scope": {
                      "type": "string",
                      "enum": [
                        "equities"
                      ]
                    },
                    "portfolioShare": {
                      "type": "number",
                      "minimum": 0,
                      "maximum": 1,
                      "description": "Equity share of the entire submitted portfolio that this dimension evaluates."
                    },
                    "coverage": {
                      "type": "number",
                      "minimum": 0,
                      "maximum": 1,
                      "description": "Classified share of this dimension's equity population."
                    },
                    "buckets": {
                      "type": "array",
                      "items": {
                        "type": "object",
                        "properties": {
                          "key": {
                            "type": "string"
                          },
                          "weight": {
                            "type": "number",
                            "minimum": 0,
                            "maximum": 1,
                            "description": "Share of the entire submitted portfolio, including unresolved holdings in the denominator."
                          },
                          "value": {
                            "type": [
                              "number",
                              "null"
                            ],
                            "minimum": 0,
                            "description": "Amount in baseCurrency; null for weight-only requests."
                          }
                        },
                        "required": [
                          "key",
                          "weight",
                          "value"
                        ],
                        "additionalProperties": false
                      }
                    }
                  },
                  "required": [
                    "scope",
                    "portfolioShare",
                    "coverage",
                    "buckets"
                  ],
                  "additionalProperties": false
                },
                "heldCurrencies": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "key": {
                        "type": "string"
                      },
                      "weight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1,
                        "description": "Share of the entire submitted portfolio, including unresolved holdings in the denominator."
                      },
                      "value": {
                        "type": [
                          "number",
                          "null"
                        ],
                        "minimum": 0,
                        "description": "Amount in baseCurrency; null for weight-only requests."
                      }
                    },
                    "required": [
                      "key",
                      "weight",
                      "value"
                    ],
                    "additionalProperties": false
                  },
                  "description": "Resolved listing currencies and caller-stated cash currencies; separate from underlying exposure."
                },
                "hedgedFunds": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "isin": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "name": {
                        "type": "string"
                      },
                      "currency": {
                        "type": [
                          "string",
                          "null"
                        ]
                      },
                      "weight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1
                      }
                    },
                    "required": [
                      "isin",
                      "name",
                      "currency",
                      "weight"
                    ],
                    "additionalProperties": false
                  }
                }
              },
              "required": [
                "equityExposure",
                "heldCurrencies",
                "hedgedFunds"
              ],
              "additionalProperties": false
            }
          },
          "required": [
            "status",
            "reasons",
            "data"
          ],
          "additionalProperties": false
        },
        "costs": {
          "type": "object",
          "properties": {
            "status": {
              "type": "string",
              "enum": [
                "ok",
                "partial",
                "unavailable",
                "not_requested"
              ]
            },
            "reasons": {
              "type": "array",
              "items": {
                "type": "string",
                "enum": [
                  "unresolved_holdings",
                  "provider_unavailable",
                  "incomplete_coverage",
                  "no_equities",
                  "fewer_than_two_funds"
                ]
              }
            },
            "data": {
              "type": [
                "object",
                "null"
              ],
              "properties": {
                "scope": {
                  "type": "string",
                  "enum": [
                    "ongoing_fund_charges"
                  ]
                },
                "coveredPortfolioWeight": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1
                },
                "fundPortfolioWeight": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1
                },
                "unknownPortfolioWeight": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 1
                },
                "weightedTer": {
                  "type": [
                    "number",
                    "null"
                  ],
                  "minimum": 0,
                  "description": "TER fraction on the covered fund portion, not on the entire portfolio. 0.002 means 0.2%."
                },
                "knownAnnualCost": {
                  "type": [
                    "number",
                    "null"
                  ],
                  "minimum": 0,
                  "description": "Known fund charges in baseCurrency; a subtotal when coverage is incomplete. Null for weight-only input."
                },
                "positions": {
                  "type": "array",
                  "items": {
                    "type": "object",
                    "properties": {
                      "isin": {
                        "type": "string"
                      },
                      "name": {
                        "type": "string"
                      },
                      "weight": {
                        "type": "number",
                        "minimum": 0,
                        "maximum": 1
                      },
                      "ter": {
                        "type": [
                          "number",
                          "null"
                        ],
                        "minimum": 0
                      },
                      "annualCost": {
                        "type": [
                          "number",
                          "null"
                        ],
                        "minimum": 0
                      }
                    },
                    "required": [
                      "isin",
                      "name",
                      "weight",
                      "ter",
                      "annualCost"
                    ],
                    "additionalProperties": false
                  }
                }
              },
              "required": [
                "scope",
                "coveredPortfolioWeight",
                "fundPortfolioWeight",
                "unknownPortfolioWeight",
                "weightedTer",
                "knownAnnualCost",
                "positions"
              ],
              "additionalProperties": false
            }
          },
          "required": [
            "status",
            "reasons",
            "data"
          ],
          "additionalProperties": false
        }
      },
      "required": [
        "allocation",
        "overlap",
        "look-through",
        "concentration",
        "sectors",
        "geography",
        "currencies",
        "costs"
      ],
      "additionalProperties": false
    },
    "assumptions": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "limitations": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "links": {
      "type": "object",
      "properties": {
        "documentation": {
          "type": "string",
          "format": "uri"
        },
        "catalog": {
          "type": "string",
          "format": "uri"
        }
      },
      "required": [
        "documentation",
        "catalog"
      ],
      "additionalProperties": false
    }
  },
  "required": [
    "modelVersion",
    "computedAt",
    "baseCurrency",
    "basis",
    "totalValue",
    "resolvedPortfolioWeight",
    "constituentsAsOf",
    "holdings",
    "analyses",
    "assumptions",
    "limitations",
    "links"
  ],
  "additionalProperties": false
}

Распределение активов

POST /api/v1/public/portfolio-analysis/allocation

Калькулятор	Задача
abgeltungssteuer	Оценить немецкий налог на доходы от капитала, продажу акций или прибыль фондов акций.
netto-dividende	Перевести дивиденд до налогов в чистый доход с необязательными допущениями об удержании по стране.
vorabpauschale	Оценить авансовый налог на одну позицию фонда, удерживаемую полный год.
thesaurierer-vs-ausschuetter	Сравнить смоделированный капитал накапливающих и распределяющих фондов.
freistellungsauftrag	Распределить годовой необлагаемый лимит сберегателя между строками брокеров, не более шести.
etf-sparplan	Рассчитать сценарий регулярных вложений в ETF с необязательным смоделированным налоговым изъятием.
notgroschen	Определить размер резервного фонда и смоделировать время накопления.
eigenkapital	Оценить первоначальные собственные средства для недвижимости, затраты покупки и срок накопления.
rentenluecke	Оценить разрыв государственной пенсии Германии и накопления для его покрытия.
entnahmeplan	Смоделировать снятия из портфеля, налог и исчерпание в пределах горизонта модели.
schenkungsteuer	Оценить налог на дарение или распределить подарки по окнам необлагаемых лимитов без предыдущих подарков.
junior-depot	Рассчитать сценарий детского инвестиционного счета с моделируемыми опциями Kindergeld и NV.
fire-rechner	Оценить цели Regular, Coast или Barista FIRE в сегодняшних евро.

Один запрос, один проверяемый расчет.

Запрос и ответ калькулятора.

Выберите модель под свой вопрос.

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Дополнительный анализ · Отдельные запросы

Прочитайте состояние раздела перед числами.

От вопроса к подходящей модели.

Сравните допущения рядом.

Читаемые ссылки, текущие данные.

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Небольшие запросы. Явные лимиты.