Mortgage Calculator
Calculate the monthly payment, interest burden, and a full amortization schedule for your loan, a foundation for planning your mortgage. GDPR-compliant.
Your inputs are processed in your browser and are not transmitted to our servers. Note: third-party resources (e.g. advertising and analytics from Google/Cloudflare) and an optional PayPal donation link may transfer data when loading or when clicked. Browser extensions or plugins may be able to read content that is visible in the input fields.
The result will appear here …
Legal notice
Current as of: 11.08.2026.
The results reflect the legal and fiscal state as of the date stated above. They are provided for general information and initial guidance only. They are not individual financial, tax or legal advice, and no guarantee is given as to their accuracy, completeness or suitability for your circumstances. In particular, the results are not a substitute for an official or judicial assessment. Please check the information independently and seek qualified advice where appropriate, as you are solely responsible for any decision made in reliance on the result.
How to use this tool (video)
This video is hosted on YouTube. When you play it, data may be sent to Google.
Mortgage Calculator: Monthly Payment, Interest, and Amortization Schedule
Financing a home is one of the biggest financial decisions you will make. Your monthly payment has two parts: the interest you pay the bank for borrowing the money and the principal that reduces the loan. How high the payment ends up depends on four main inputs: the loan amount, the interest rate, the fixed-interest period and the initial repayment. On top of that, buying in Germany brings closing costs that often take buyers by surprise.
Estimate your monthly mortgage payment and see how the balance changes over time. Enter the loan amount, interest rate, fixed-interest period and initial repayment to create a year-by-year amortization schedule. Unlike many simple calculators, this one shows the full picture: a chart and a detailed table, so you can see exactly when the interest share drops and what really leaves your account each month.
What the calculator shows
The result separates interest and principal, displays the remaining debt and can include annual extra repayments. A chart and a table make the payment plan easy to review. The colored bar for each year splits your payment into interest and principal; as the balance shrinks, the interest share falls and the principal share grows. The dashed line marks the end of the fixed-interest period, after which the rate is renegotiated.
Important note
This is an estimate based on your inputs. Actual bank offers can differ because of fees, property details, payout dates and creditworthiness. In Germany, typical rates for a ten-year fixed period in August 2026 are roughly 3.7 to 4.2 percent, but they move often, so check the current offers before you decide. All calculations run locally in your browser.
Frequently asked questions
How much equity do I need to finance a house?
There is no fixed rule, but a common guideline is: the more equity, the better the terms. Many banks expect around 20 percent of the purchase price to come from your own funds for the financing to be considered safe, plus the purchase closing costs. In Pro mode you enter your equity and a liquidity reserve, and the calculator works out your actual loan requirement and your equity ratio.
What counts as purchase closing costs and how high are they?
Purchase closing costs include property transfer tax, notary fees, land registry charges and, where applicable, a real estate agent commission. Together they usually range between 8 and 12 percent of the purchase price in Germany, depending on the federal state and whether an agent is involved. This amount is due immediately at purchase and can usually not be financed without making your loan-to-value ratio and your terms worse.
What does the initial repayment mean and which value makes sense?
The initial repayment is the percentage of the loan you pay back in the first year. Together with the interest rate it determines your monthly payment. A typical starting point in Germany is 2 percent. If you want to become debt-free faster, choose a higher repayment or use an annual extra payment where your bank allows it.
What happens after the fixed-interest period ends?
When the fixed-interest period ends, your contract continues but the interest rate is renegotiated. How high your new payment is depends on the follow-up rate at that time and on your remaining balance. Pro mode shows you this follow-up view: you see the balance at the end of the fixed period and the new monthly payment at a follow-up rate you can assume.
What does the housing cost ratio tell me?
The housing cost ratio is the share of your net income that goes into the property, that is payment plus running costs divided by your income. As a guideline: below 30 percent is comfortable, above 40 percent becomes critical. The calculator classifies your values from comfortable to critical on this basis.
Are my financial details stored anywhere?
No. All calculations run directly in your browser, completely locally. None of your inputs are sent to a server, saved, or used for advertising. Feel free to try different figures.
Read more about this tool
How the calculator works out your monthly payment
The tool follows the standard annuity loan model, the usual way to finance a home in Germany. From the loan amount, the interest rate and the initial repayment it computes a constant monthly payment. Each payment has an interest and a principal share. The interest share is based on the current balance, the principal share is the rest of the payment. Because the balance shrinks every month, the interest share falls and the principal share grows, and that is exactly the path the table shows. An annual extra repayment is taken directly off the balance in the year it is due, which shortens the term noticeably.
The result is a mathematical estimate based on your figures. It does not replace a binding offer from a bank, but it lets you compare scenarios quickly. Interest rates change all the time, so check the currently valid offers before you decide.
What buying a home in Germany really costs
Many buyers count only the purchase price and underestimate the closing costs. The property transfer tax (Grunderwerbsteuer) is the largest item and varies by federal state: it ranges from 3.5 percent in Bavaria and Saxony through 5 percent in many states up to 6.5 percent in Brandenburg, North Rhine-Westphalia, Saarland and Schleswig-Holstein. On top come notary fees and the land registry charge, together usually around 1.5 to 2 percent of the price. If you buy through an agent, the commission adds more, typically between 3 and 7 percent and in many cases split between buyer and seller.
Together the closing costs in Germany often come to 10 to 12 percent of the purchase price, and in unfavorable combinations even more. That sum is due immediately at purchase and can only partly be financed without making your loan-to-value ratio and your terms worse. If you pay the closing costs from your own funds, you need more equity to start with. Pro mode works out the whole structure and shows you how much equity you should really plan for.
What happens when the fixed-interest period ends
When the fixed-interest period ends, your loan is usually not fully repaid yet. The bank then offers a follow-up financing at a new rate. How high your remaining balance is at that point depends on the repayment and the interest development during the term. Pro mode shows you this balance and the new monthly payment at a follow-up rate you can assume, so you can see early how much interest risk you are taking and whether a higher initial repayment makes sense.
Does the calculation run entirely locally?
Yes. This mortgage calculator works 100 percent in your browser. Your inputs are not sent to a server, not stored and not used for advertising. You can safely try different financing scenarios without your data ever leaving your device.