Why We Built Finanz Kompass
We believe everyone navigating the German property market deserves clear, honest tools — no hidden agendas, no data harvesting, no fine print. Just the numbers you need to make informed decisions.
German Mortgages Are Uniquely Complex
Between Grunderwerbsteuer rates that vary by state, Bauspar contracts with savings and loan phases, KfW subsidies with evolving eligibility rules, and Wohn-Riester pension schemes — financing a home in Germany involves layers that most generic calculators simply don't cover. Add in the Nebenkosten that can surprise first-time buyers, and it's easy to feel overwhelmed before you even start.
What Guides Us
Every decision we make comes back to four principles.
Privacy by Design
Your financial data stays on your device. No server calls, no tracking, no account required. Cloud sync is optional and always under your control.
Built for Germany
Generic calculators miss the nuances of Bauspar, KfW subsidies, and state-specific Grunderwerbsteuer. We built six calculators specifically for the German market.
Open & Transparent
No hidden fees, no upsells, no affiliate links to lenders. The tool is free to use and we show you every number — including the ones banks might not.
Built for Everyone
Available in 7 languages with full right-to-left support. Whether you speak German, English, Farsi, Arabic, Turkish, Spanish, or French — you get the same complete experience.
Who It's For
Whether you're just starting or already own property, Finanz Kompass meets you where you are.
First-Time Buyers
Understand what you can afford, how closing costs add up, and what Bauspar or KfW options might save you money — before your first bank appointment.
Property Investors
Analyze rental yields, project landlord taxes across multiple years, and compare financing structures for investment properties.
Expats & International Buyers
Navigate the German mortgage system in your own language. Full interface in 7 languages with explanations of German-specific concepts.
Ready to Explore Your Options?
No sign-up required. Start calculating your German mortgage right now.