Property Investment Calculators

Calculate the Grunderwerbsteuer (property transfer tax) for any German state based on the purchase price.

Calculate gross and net rental yield based on purchase price, monthly rent, and expected vacancy.

Calculate monthly payments, total interest, and loan payoff timeline for German mortgages.

Calculate return on investment based on equity invested and annual net income.

Calculate total Nebenkosten including transfer tax, notary fees, land registry, and agent commission.

Calculate monthly and annual cashflow from rental income minus all expenses.

Calculate the annual building depreciation (AfA) and estimated tax savings for rental properties.

Calculate how annual extra repayments shorten your loan term and save interest.

Compare the long-term net costs of buying versus renting over a period you choose.

Calculate the annual property tax from assessed value, tax index, and the municipal multiplier (Hebesatz).

Calculate the German speculation tax due when selling a property within the 10-year holding period — including AfA claw-back and the €1,000 exemption threshold.

Calculate the Kaufpreisfaktor (rent multiplier) from purchase price and annual net cold rent, and check whether a property is priced high or low.

Calculate the remaining debt at the end of your fixed-interest period and the new monthly payment of your follow-up financing at a changed interest rate.

Check how much the rent may be increased under §558 BGB — limited by the Kappungsgrenze cap and the local comparative rent.

How much property can you afford? Calculate your maximum purchase price and loan from income, equity and the purchase costs of your federal state.

Determine the income value of a rented property using the simplified German income approach — from rental income, land value and capitalization rate.

Estimate the prepayment penalty for paying off your German property loan early — using the simplified asset-liability method.