fonder - 2026 Pricing, Features, Reviews & Alternatives

fonder is advisory software for insurance brokers, financial advisers and sales organisations in Germany. It answers the question clients ask most in retirement planning: which product leaves the most after costs and taxes?

Functions:

- Investment finder: fund-linked pension insurance, Rürup basic pension, ETF portfolio and the new Altersvorsorgedepot (from 2027) side by side, with identical assumptions

- Tariff comparison with the real cost structure of German insurers (acquisition, administration, fund and unit costs, effective costs)

- German tax logic over the full term: Vorabpauschale, partial exemption, Halbeinkünfteverfahren (12/62 rule), deferred taxation of the Rürup pension, payout phase as annuity, withdrawal plan or lump sum

- PDF quick analysis: drop an insurance offer as PDF, fonder reads the costs and shows the page each value comes from

- Client report as PDF with the adviser's own logo, client link for self-service data entry

- AI assistant for product and tax questions during the meeting

Integrations: connection to Professional Works, the broker software of Fonds Finanz.

Security and data protection: hosted on Google Cloud in Frankfurt, Germany; uploaded PDFs are not stored; tax IDs, insurance numbers, IBANs, e-mail addresses and postal addresses are removed before AI processing.

fonder is not a broker management system and does not cover property or motor insurance. Pricing: 49.90 EUR per month or 499.90 EUR per year plus VAT, team plans for brokerages, 14-day free trial.