Home loan calculator Germany – Mortgage calculator Germany: which calculator fits your plan?
Free calculators for planning: whether you need a German mortgage calculator for a one-minute feasibility check or for the repayment schedule, you start here. You enter your own figures; the calculators provide initial guidance. Concrete terms arise in personal consultation.
How much equity do I need for the purchase costs — and what if it is not enough?
Plan for 8 to 15 percent of the purchase price, depending on the federal state and whether an agent is involved; banks do not finance this amount. If your equity falls short, a renovation loan, an unsecured personal loan, can cover the gap, but lenders count it as a separate instalment, which lowers the maximum mortgage.
All calculators work with your own inputs and provide non-binding guidance — not a financing commitment. Concrete terms depend on your credit standing, the loan-to-value ratio and the bank, and arise only in personal consultation.
Run them in this order — or the numbers will mislead you
Most people start with the monthly payment. That is the wrong end. The payment is rarely what stops a German property purchase; the cash you need on the table before completion is. Purchase costs — land transfer tax, notary, land registry, and often an agent's fee — sit on top of the purchase price and are almost never financed by a German bank. They come out of your own funds.
That matters more for internationally mobile buyers than for anyone else, because the land transfer tax alone varies from 3.5 % to 6.5 % depending on the federal state. On a €400,000 property that is a five-figure swing for exactly the same house.
1. Purchase costs first. This tells you what your equity must cover before a single euro goes towards the price. 2. Then the budget. Only now does a price range mean anything.
3. Then the amortisation schedule. Watch the residual debt at the end of the fixed-rate period, not the opening payment.
In Germany the interest rate is fixed for a defined term (commonly 10 years) and the loan is not repaid by then — what remains has to be refinanced.
That figure decides whether a follow-on loan is available to you later, particularly if you have moved abroad in the meantime.
4. Rental yield if you are buying to let — it answers a different question: not "can I pay for this", but "does the property carry itself". 5. Early repayment charge only if an existing loan is to be settled before the fixed term ends.
What no calculator knows about you
Every figure below comes from your own input. Three things that decide your financing are invisible to the tool:
Your credit profile. Our calculators use the rates of our rate overview. The rate you are finally offered depends on income type, contract length, Schufa history and the loan-to-value ratio.
A fixed-term employment contract, a probation period, self-employment or a residence permit with an expiry date all move that rate — or remove the bank entirely.
Your residency and currency. If you are tax-resident outside Germany, or paid in a currency other than the euro, the number of banks willing to lend collapses.
This is not a pricing question but a policy one: some lenders do not accept foreign-currency income — others do; see income in a foreign currency. The property. German banks lend against the mortgage lending value, not the price.
Where the two diverge, the gap becomes additional equity you must provide — and it appears in no calculator.
Use these tools to size the problem and to spot false assumptions early. The step that follows — finding the lender whose rules actually fit your situation — is not arithmetic.
Home loan calculator Germany: what the English terms map to here: A home loan calculator for Germany is not one tool but three, because a German purchase splits the question up. "How much can I borrow" is the budget calculator.
"What will it cost me on top of the price" is the purchase-cost calculator — the part UK and US buyers most often miss, because it is paid from your own funds.
"What do I still owe when the fixed period ends" is the repayment schedule, and in Germany that residual figure matters more than the opening payment.
Keep this result — and the right documents
A calculator gives you a number. A financing decision needs the right paperwork ready before you talk to a bank. We'll send you the checklist that matches your situation — free, no sales call attached.
Need the blank forms right now? Get them via a quick form: self-disclosure form (DE/EN) · net-worth statement (DE/EN).
Open the file directly — no form: Germany property financing checklist (PDF, 9 pages) · Non-resident mortgage checklist (PDF, 9 pages) · KfW funding overview 2026 (PDF, 4 pages)
Mortgage calculator Germany: which one fits your plan?
Choose by the question you have.
The financing traffic light gives a green, amber or red read in about a minute, the purchase cost calculator shows the equity needed on top of the price, and the budget calculator estimates how much property is realistic. All calculators give non-binding guidance, not a financing commitment.
Home loan calculator Germany: which calculator answers which question?
The German home loan calculator with KfW shows the total monthly instalment from purchase price and equity, with a KfW loan as a separate tranche.
The purchase cost calculator shows transfer tax by federal state plus notary, land register and agent. The budget calculator shows the loan and price range your equity and desired payment allow.
German home loan calculator with KfW: Total monthly instalment from purchase price and equity — with a KfW loan as a separate tranche, interest cost and balance after ten years.
Renovation cost calculator: Adds up heating, windows, insulation, ventilation and PV from your quotes — the basis for funding and financing.
Repayment calculator: Monthly payment, interest cost and remaining debt over the fixed-rate period — year by year, optionally with extra repayments.
Amortisation schedule in Excel: The same schedule as a calculating Excel file to keep — five input fields, 480 monthly rows, special repayments included.
KfW loan repayment calculator: Payment in the repayment-free start years, payment afterwards and balance — programme data from KfW 124 to 308 prefilled.
Break-even rate calculator: 10 or 15 years fixed — the follow-up rate at which the longer period pays off.
Prepayment penalty: A rough estimate of the penalty for repaying a loan early within the fixed-rate period.
Frequently asked questions
Which Germany mortgage calculator should I start with?
Start with the purchase cost calculator rather than the monthly payment. The payment is rarely what stops a German property purchase; the cash needed before completion is, because banks almost never finance purchase costs. Afterwards the budget calculator shows what total instalment is realistic for you.
Housing loan calculator Germany: is there a free one for buyers?
Yes. The calculators are free, and you enter your own figures. They provide initial guidance only, and concrete terms arise in personal consultation. The page offers calculators for monthly payment, purchase costs, budget, KfW loans and repayment.
Mortgage repayment calculator Germany: how much is left at the end of the fixed-rate period?
The repayment calculator shows the monthly payment, the interest cost and the remaining debt over the fixed-rate period, year by year, optionally with extra repayments. The German home loan calculator additionally shows the balance after ten years. All results are non-binding guidance.
From the figure to the right bank
The calculators set the direction — we find the bank that fits your situation. Initial consultation free of charge; as a rule the bank pays the commission.
Related pages
Mortgage calculator: your monthly payment
Loan amount, interest rate and repayment in — your monthly payment and the repayment curve out, in seconds.
Financing traffic light
5 questions on residence, equity, income, credit record and intended use — a rough green/amber/red read and the lever that helps most.
Renovation loans
Real offers from several banks for renovation or modernisation work — no land registry entry required.
KfW funding check
5 questions on project type, use, children, income and prior property — which of the 8 KfW programmes are generally in reach.
Jung kauft Alt: KfW 308 individual-measures check
4 questions on windows, façade, roof and heating — which renovation under "Jung kauft Alt" is still open under EnEV 2001 grandfathering.
Purchase cost calculator
Real estate transfer tax by federal state plus notary, land register and agent — the amount you need on top of the purchase price as equity.
Budget calculator
How much property is realistic? Estimate the possible loan and purchase-price range from your equity and desired monthly payment.
Lending value calculator
What the bank can apply: income value under BelWertV against the market value route, with the loan-to-value for both.
Remaining useful life calculator
How many years a building can still be used under the German ImmoWertV — from year of construction, building type and modernisation points.
Rental yield calculator
Gross and net rental yield of a let property — including purchase costs and non-recoverable expenses.
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.