Mortgage calculator Germany — how much can I afford?
Budget first, property search second — otherwise you fall in love with something you cannot finance. From your equity and desired monthly payment, the calculator estimates the possible loan and purchase-price range.
How much property can I afford with my budget?
The reliable answer doesn't start from the purchase price — it starts from the monthly payment: how much can you actually carry alongside your regular expenses, and how much equity do you have? From payment, interest rate and initial repayment rate, you can calculate backwards to the maximum loan amount; combined with your equity, that gives the financeable total. Purchase costs (real estate transfer tax by state, notary, land registry, possibly agent commission) still come off that — banks generally don't finance them. Working from the affordable payment rather than a wishful price avoids the most common disappointment in the buying process: an offer that exceeds what you can actually carry. The calculator below runs this backward calculation with your numbers. Not legal or tax advice.
The affordable payment follows from your household budget — income minus expenses, with a buffer. From that payment, your assumed interest rate and the initial repayment rate follows the loan amount; together with your equity and minus the purchase costs, this gives the purchase-price range. Enter interest and repayment yourself — that way the result is your calculation, not an advertised figure.
Your purchase-price range — estimated
Enter equity and desired payment, interest and repayment by your own assumption. The federal state determines the purchase-cost rate.
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. Interest and repayment are your assumptions — the actual rate arises only in a concrete offer.
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Keep calculating
Purchase costs in detail
Transfer tax by federal state plus notary, land register, agent.
Purchase costs in detail →Repayment & remaining debt
How payment, interest and remaining debt develop over the years.
Repayment & remaining debt →The payment is the starting point, 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.
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.
Frequently asked questions about budget
How do I find my affordable payment?
Is the calculated purchase price a commitment?
Should I calculate with or without an agent?
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, 7 pages) · Non-resident mortgage checklist (PDF, 8 pages) · KfW funding overview 2026 (PDF, 2 pages)