Calculators
Calculators for your mortgage
Six free calculators: usable right here, no redirect, no sign-up.
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We compare rates from over 600 banks & insurers
Order
Which calculator you need when
The calculators build on each other. Used in this order, they take you from the first question to a concrete rate.
| Situation | Calculator | What you know afterwards |
|---|---|---|
| No property in sight yet | Budget calculator | Which purchase price is realistic |
| Purchase price roughly set | Purchase costs calculator | How much equity goes before the loan |
| Loan amount known | Conditions calculator | Monthly rate, interest cost and residual debt |
| Rate set, structure open | Repayment calculator | When you are debt-free and what special repayments do |
| Rent or buy unclear | Rent vs. buy comparison | From which year buying pays off |
| Fixed period ending | Follow-up financing calculator | Rate and residual debt of the follow-up loan |
Context
What a calculator can and cannot do
Every calculator here uses the same formulas a bank uses: annuity from interest and repayment rate, residual debt from the amortisation schedule, purchase costs from the statutory rates of each federal state. The arithmetic is sound.
What a calculator cannot know is your actual rate. What a bank offers depends on the loan-to-value ratio, your credit standing, the property and the market on the day you ask. A calculator assumes a rate; a bank sets one. That is why every result here is an example calculation.
For a concrete assessment we compare the market for you – see mortgage advice.
Non-binding example calculation, not a financing offer under the §34i GewO licence.
Frequently asked questions
Yes. They run in your browser, with no sign-up, no redirect and no contact details. Your inputs are not transmitted to us.
The one you enter, starting from an example value. The calculator does not know your actual rate, because that depends on loan-to-value, credit standing and the property.
No. It is a non-binding example calculation and not a financing offer under the § 34i GewO licence. A rate becomes binding only with a concrete bank approval.
Usually in three places: the assumed rate, the valuation of the property and therefore the loan-to-value ratio, and side costs such as commitment interest. The formula is the same, the assumptions are not.
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