Part of the topic: 🏠 Home, energy & car
Mortgage calculator (Baufinanzierung)
German mortgages are usually quoted as interest rate + initial repayment (Tilgung). Enter both to see the monthly rate, the remaining debt when the fixed-rate period ends and how long until the loan is paid off.
Repayment plan
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter loan amount, interest rate and initial repayment (2–3% is common).
- Choose the fixed-rate period and optional yearly special repayments.
- Read the monthly rate, the remaining debt after the fixed period and the payoff time.
Last checked: October 2026 · Based on: Annuity formula. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
Why does initial repayment matter so much?
With a low initial repayment, most of the early rate is interest, so the loan takes decades to pay off and the remaining debt after the fixed period is high – a refinancing risk if rates rise.
What is the remaining debt (Restschuld)?
The balance still owed when the fixed-interest period ends. You then need a follow-up financing at the market rate of that time.
Are special repayments always allowed?
Only if your contract permits them – often 5–10% of the loan per year. Check the conditions.