Purchase budget calculator: Mortgage affordability calculator – how much can you borrow in Germany?
Budget first, property search second — otherwise you fall in love with something you cannot finance. From your equity and desired monthly payment, this borrowing power calculator estimates the possible loan and purchase-price range, so it doubles as a purchase budget calculator.
How much mortgage can I afford in Germany — and how does the calculator work it out?
The calculator works backwards from the monthly payment you can carry, not from the purchase price. From payment, interest rate and initial repayment rate it derives the maximum loan; combined with your equity, that gives the financeable total. Purchase costs such as transfer tax, notary, land registry and agent commission come off that, as banks do not finance them.
Above 70 % loan-to-value we price the rate case by case.
Non-binding guidance, not a financing commitment. The affordable payment should be based on a real household calculation; banks additionally assess credit standing, loan-to-value and property. The rate comes from our rate overview (mortgage rates) — the actual rate arises only in a concrete offer.
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Mortgage affordability calculator — your purchase-price range
The affordable payment follows from your household budget — income minus expenses, with a buffer. From that payment, the bank rate of our rate overview and the initial repayment rate follows the loan amount; together with your equity and minus the purchase costs, this gives the purchase-price range. The rate depends on the loan-to-value: up to 50 % the first rate applies, the second one to the part between 50 and 70 %.
Enter equity, desired payment and repayment; the calculator takes the rate from our rate overview. The federal state determines the purchase-cost rate.
Why does a mortgage calculator or borrowing power calculator start from the payment, not the wishful price?
The affordable payment isn't the one that just barely fits today — it's the one that still holds up against a higher follow-up rate, income fluctuations, or a further rate rise.
Banks apply an internal debt-service stress test for exactly this: a premium added to today's rate to check affordability if rates climb. Setting your own payment more generously than needed gives away financing room; setting it too tight risks real trouble at follow-up financing years down the line.
What else does the affordable payment depend on?
The affordable payment also depends on ongoing commitments, family situation and planned purchases, which we work through together before approaching a bank.
The calculator gives a first orientation. The affordable payment also depends on ongoing commitments, family situation and planned purchases — we work through that together before approaching a bank.
Borrowing power calculator: the British term for the same question
If you searched for a borrowing power calculator, this page answers that question for a German purchase — with one difference in the mechanics.
A UK lender starts from a multiple of your salary. A German bank starts from the monthly payment you can carry and works backwards through the interest rate and the initial repayment rate to the loan amount. That is why the two boxes at the top are equity and desired payment, not annual income.
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)
Frequently asked questions
How do I find my affordable payment?
From an honest household calculation: net income minus all ongoing expenses, minus a safety buffer for maintenance and the unexpected. What remains is the range for the monthly payment. We work through this together in consultation.
Is the calculated purchase price a commitment?
No. It is guidance based on your inputs. The bank additionally assesses credit standing, property and loan-to-value — from which the actually possible range results.
Should I calculate with or without an agent?
Depending on whether a buyer's agent share applies to your purchase. When buying from the owner or with a split commission it may be lower or absent. When in doubt, calculate with an agent — then the range is more conservative.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
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.