MONEY
ECB keeps key interest rates unchanged after June increase
On 23 July 2026 the ECB kept its three key rates at 2.25%, 2.40% and 2.65%.
RATIOXA · DECISION INTELLIGENCE
Big decision?
Run the numbers.
RATIOXA compares the economic impact of important decisions – transparently, explainably and using your numbers.
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DECISION FINDER
What are you deciding about?
Choose an area, then go directly to the RATIOXA tool that fits the question.
CURRENT CONTEXT
What changed?
Curated developments that may affect a RATIOXA assumption. Every update requires a visible source.
HOME
German banks tightened credit standards in Q2 2026
The Bundesbank reported tighter standards in all three surveyed loan categories.
ENERGY
KfW heating-subsidy conditions changed on 21 July 2026
Programme 458 has revised eligible-cost caps and bonus rules; the efficiency bonus and emissions supplement were removed.
CARS
German EV vehicle-tax exemption extended
Pure EVs first registered by the end of 2030 may qualify for up to ten years, capped at the end of 2035.
FLAGSHIP TOOLS
Start with a decision
Flagship calculators for questions where the monthly payment alone is misleading.
Decision Intelligence
A result is the start, not the end.
RATIOXA shows which assumption drives the answer, where the options cross and whether plausible stress tests reverse the result.
How we calculate →RATIOXA · Key insight
A small monthly-payment gap can hide a much larger difference in resale value, fees or opportunity cost.RESULT → WHY → BREAK-EVEN → STRESS TEST
THE RATIOXA DIFFERENCE
Not just: What costs less?
What changes the answer?
Economic cost
Total cost and wealth over the same period.
Clear reasons
See which assumption drives the result.
Your crossovers
RATIOXA shows when the other option wins.
RATIOXA LEARN · Featured guide
Lease or buy: a fair comparison
Why monthly payments are insufficient and how depreciation, resale value and contract costs decide the comparison.
Read guide →RATIOXA LEARN
Learn before you decide
Guides, definitions and paths connect each model to the thinking behind it.
GUIDED LEARNING
Guided learning paths
Structured routes from the first concept to a calculation you can explain.
Cars · 5 STEPS
Understand leasing properly
Move from the monthly payment to a complete economic decision.
Guided learning paths →Home · 5 STEPSDecide on a home purchase
Put budget, transaction costs, finance and holding period into a robust sequence.
Guided learning paths →Energy · 5 STEPSEvaluate solar economics
From energy flows and self-consumption to NPV and the storage decision.
Guided learning paths →Money · 5 STEPSBalance debt and investing
Make certain interest savings and uncertain market returns comparable.
Guided learning paths →ONE METHODOLOGY
How RATIOXA calculates.
No black box. Every statement follows documented formulas, your inputs and clearly marked assumptions.
- 01Transparent formulas
- 02Your assumptions
- 03Explainable results