KfW repayment calculator and EMI calculator for Germany: what my monthly payments would be for a home loan at the current interest rate, and how interest rates change the total cost
Choose a programme, enter the interest rate — this housing loan calculator shows the payment in the repayment-free start years, the payment afterwards and what remains open at the end of the fixed-rate period. Loan amounts per programme are prefilled.
What would my monthly payments be with repayment-free start years, and how does a KfW repayment calculator work them out?
During the repayment-free start years your payment covers only the interest on the loan amount. Afterwards the loan is spread over the remaining term with a constant payment. More start years mean a lower burden at first and a higher payment later. You enter the KfW home loan interest rate in Germany yourself, because the KfW adjusts its terms continuously.
Please enter the interest rate of your KfW programme — payment, balance and schedule will then appear.
| Year | Interest | Repayment | Balance |
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Non-binding guidance with monthly payments. The permitted range for term, repayment-free years and fixed-rate period is set out in the information sheet of each KfW programme; the terms on the day of approval apply. Not a funding commitment, not legal or tax advice.
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Calculate your KfW loan: which values are prefilled per programme?
Loan amount and repayment grant are prefilled per programme; all values can be changed. Programme amounts as of 21 September 2026.
KfW loan calculator: what do the repayment-free start years cost? Repayment-free start years lower the burden at the beginning, for example during construction while you are still paying rent for your current home. The price: repayment starts later and is spread over fewer years, the payment afterwards rises, and you pay more interest over the full term. Compare one and three start years in the calculator — the difference in payment and balance is the basis for the decision.
KfW 261 repayment grant: how high is it at each efficiency level?
With KfW 261 the repayment grant depends on the efficiency level reached: EH 40 EE 10 %, EH 55 EE and EH Denkmal EE 5 %; for EH 70 EE and EH 85 EE there is none.
The grant lowers the debt, not the payment — the balance at the end of the fixed-rate period is smaller and the loan is repaid sooner. The full scale including bonuses is on KfW 261 – Energy-efficient renovation.
KfW loan plus bank loan: why do you usually need both together?
A KfW loan rarely finances the whole purchase.
Calculate the KfW part here and the bank part in the amortization calculator; the sum of both payments is your monthly burden. Which KfW programmes fit your project in principle is shown by the KfW funding check; the family programme is explained on KfW 300.
Keep this result: how do you get the checklist with 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) (Nederlands · Français) · Non-resident mortgage checklist (PDF, 9 pages) (Nederlands · Français) · KfW funding overview 2026 (PDF, 4 pages) (Nederlands)
Which home loan interest rate in Germany do you enter for a KfW programme?
For the KfW loan, enter the borrowing rate stated by KfW for your programme. The calculator does not preset an interest rate, because KfW adjusts its terms continuously. Without a borrowing rate, it shows neither the instalment nor the outstanding balance or the repayment schedule. The terms on the date of approval are decisive; the result is not a funding commitment.
KfW 300 in the repayment calculator: the instalment for Home Ownership for Families: Select the KfW programme ‘KfW 300 – Home Ownership for Families’ in the calculator; the loan amount and repayment subsidy are pre-filled and can be changed. With your borrowing rate, the calculator shows the instalment in the initial years, the instalment thereafter and the outstanding balance at the end of the fixed-rate period. The programme amounts are as at 21 September 2026.
Frequently asked questions
Where do I find current home loan interest rates for a KfW programme?
In the KfW's current terms for your programme. The KfW adjusts its rates continuously, so the calculator has no preset: you enter the rate of your programme yourself, and the terms on the day of approval apply.
Can I use this as a home loan EMI calculator Germany for the monthly payment?
Yes. The calculator shows the payment per month in the repayment-free start years and the payment afterwards, which then stays constant. It also shows the balance at the end of the fixed-rate period. It is non-binding guidance, not a funding commitment.
Why is there no interest rate preset in the KfW calculator?
The KfW adjusts its rates continuously; a fixed value would soon be wrong. Enter the rate of your programme from the KfW's current terms — the calculator then works with exactly that value.
What are repayment-free start years?
During the repayment-free start years you only pay interest. After that, the full loan amount is repaid over the remaining term — so the payment is higher than for a loan without start years, and more interest is paid over the term.
How does a repayment grant affect the payment?
The repayment grant reduces the debt. The calculator deducts it at the start of repayment and keeps the payment unchanged; the remaining balance falls and the loan is repaid sooner.
What happens when the fixed-rate period ends?
A new interest rate applies to the balance still outstanding. The calculator shows how large that balance is — it is the amount for which the terms are set again.
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
Redevelopment loan (Sanierungskredit)
With or without a land charge, check the eligibility for financial assistance.
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.
