Plan Your Building Savings Contract
Calculate your Bausparvertrag — savings phase, loan terms, and government bonuses. Choose how you'd like to start:
Standard Bauspar Contract
Save regularly and secure a low-interest loan for later — the classic Bausparvertrag.
Kombidarlehen
Combine an interest-only bank loan with a Bauspar contract for immediate property financing.
With Government Bonus
Maximize your savings with the Wohnungsbauprämie — up to €70 per year from the state.
Why Our Building Savings Calculator?
Savings Phase Planning
See how long until your Bausparvertrag reaches allocation readiness with a detailed savings timeline
Loan Phase Calculation
Compare loan terms and monthly payments after your contract is allocated
Wohnungsbauprämie Check
Find out if you qualify for the government savings bonus of up to €70 per year
Kombidarlehen Option
Calculate combined financing with an interest-only bank loan and Bauspar contract
Key Building Savings Terms
Understand the most important concepts for your Bauspar contract.
Bausparvertrag
A building savings contract combining a savings plan with a guaranteed…
Bausparsumme
The target contract sum of a Bausparvertrag, split between your savings…
Sparphase
The savings phase of a Bausparvertrag where you accumulate your minimum savings…
Zuteilung
The allocation or maturity point when your Bausparvertrag becomes eligible for…
Bausparguthaben
The accumulated savings balance in your Bausparvertrag, earning interest…
Bauspardarlehen
The loan portion of a Bausparvertrag, available after Zuteilung at the…
Guthabenzins
The savings interest rate earned on your Bausparguthaben during the savings…
Darlehenszins (Bauspar)
The loan interest rate for the Bauspardarlehen, fixed at contract signing.…
Abschlussgebühr
The upfront fee charged when opening a Bausparvertrag, typically 1-1.6% of the…
Wohnungsbauprämie
A government housing bonus for Bauspar savers meeting income limits. Up to 10%…
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