CalculatorFinancial Compass

Scenario Library

Pre-built mortgage examples to help you explore different financing options

Select a scenario and click 'Load into Calculator' to see the full calculation. Modify the values to match your situation.

Young Couple: Berlin Apartment

First-time buyers purchasing a 2BR apartment in Berlin with 20% equity.

Mortgage
Incl. Closing Costs
€1.421 €
Monthly Payment
20%
Equity
28 years
Loan Duration
Annuitätendarlehen
Nebenkosten
Eigenkapital
Family: Upgrading to House

Growing family buying a detached house in Bavaria with 30% equity.

Mortgage
Incl. Closing Costs
€1.936 €
Monthly Payment
30%
Equity
26 years
Loan Duration
Sondertilgung
Restschuld
Volltilgerdarlehen
Rental: Munich Studio

Investment property for rental income with 30% equity.

Investment Property
Incl. Closing Costs
€1.027 €
Monthly Payment
30%
Equity
4.2%
Cash-on-Cash
kapitalanlage
mietrendite
Absetzung für Abnutzung (AfA)
Long-Term Bauspar Plan

€100,000 building savings contract with guaranteed low loan rate.

Building Savings
€350 €
Monthly Payment
12 years
Loan Duration
Bausparvertrag
Bausparsumme
Zuteilung
Energy Renovation with KfW

Modernization with KfW 262 funding for energy improvements.

KfW Subsidies
€533 €
Monthly Payment
15 years
Loan Duration
KfW-Förderung
Energetische Sanierung
Self-Employed Buyer

Property purchase with higher equity (30%) typical for self-employed.

Mortgage
Incl. Closing Costs
€1.680 €
Monthly Payment
30%
Equity
22 years
Loan Duration
Eigenkapital
Tilgung
Zinsbindung
Single Buyer: Starter Condo

First property purchase in NRW with 15% equity and no broker fee.

Mortgage
Incl. Closing Costs
€1.102 €
Monthly Payment
15%
Equity
23 years
Loan Duration
Tilgung
Sollzins
Zinsbindung
Family with KfW Subsidy

Energy-efficient new build with €150,000 KfW 261 financing.

KfW Subsidies
€1.650 €
Monthly Payment
20%
Equity
25 years
Loan Duration
KfW-Förderung
Mischfinanzierung
Effektivzins
Landlord Tax Optimization

Calculate depreciation and tax benefits for rental property.

Landlord Tax
5.1%
Cash-on-Cash
€4.500 €
Tax Benefit/Year
Absetzung für Abnutzung (AfA)
Werbungskosten
Verlustvortrag
Wohn-Riester Boost

Use Riester subsidies and tax benefits for home financing.

Wohn-Riester
€1.146 €
Monthly Payment
€2.100 €
Tax Benefit/Year
Wohn-Riester
grundzulage
kinderzulage
10 scenarios