Plan Your Property Financing
Calculate your mortgage — compare interest rates, explore amortization schedules, and find the right financing for your budget. Choose how you'd like to start:
I found a property — what will it cost me?
Enter the purchase price and calculate your monthly payment, closing costs, and amortization schedule.
I need a specific loan amount
Enter the loan amount directly and compare rates, payments, and fixed-interest periods.
I can spend X per month — what can I afford?
Enter your monthly budget and find out the maximum purchase price you can afford.
Why Our Mortgage Calculator?
Detailed Amortization Schedule
See exactly when your mortgage is paid off with a complete month-by-month breakdown
Compare Up to 3 Calculations
Save different scenarios and compare them side by side
Save and Share Calculations
Store your calculations locally and share results with your advisor
Works Offline
All calculations happen in your browser — no internet required after loading
Key Mortgage Terms
Understand the most important concepts for your financing decision.
Annuitätendarlehen
A fixed-payment mortgage where the monthly payment stays constant, but the…
Monatliche Rate
The fixed monthly payment you make to the bank, consisting of both interest and…
Sollzins
The nominal or base interest rate charged by the bank, excluding fees and…
Effektivzins
The effective annual rate (APR) that includes all fees and compounding, giving…
Zinsbindung
The fixed interest period during which your rate is locked. After this period…
Tilgung
The repayment or amortization portion of your monthly payment that reduces the…
Sondertilgung
Special or extra repayments beyond your regular monthly payment. Most German…
Eigenkapital
Your equity or down payment – the cash you bring to the purchase. Minimum…
Nebenkosten
Closing costs or ancillary costs when buying property in Germany. Typically…
Restschuld
The remaining debt at the end of the fixed interest period. This is the amount…
Free
No costs, no hidden fees
No Registration Required
Start calculating immediately
Your Data Stays on Your Device
All calculations happen locally in your browser
Available in 7 Languages
German, English, Farsi, Arabic, Turkish, Spanish, French