Property Investment Calculators
Free tools to analyze German real estate investments
Buying
What the purchase costs and what it is worth
- Property Transfer Tax CalculatorCalculate the Grunderwerbsteuer (property transfer tax) for any German state based on the purchase price.
- Closing Costs CalculatorCalculate total Nebenkosten including transfer tax, notary fees, land registry, and agent commission.
- Property Budget CalculatorHow much property can you afford? Calculate your maximum purchase price and loan from income, equity and the purchase costs of your federal state.
- Price-to-Rent Ratio Calculator (Kaufpreisfaktor)Calculate the Kaufpreisfaktor (rent multiplier) from purchase price and annual net cold rent, and check whether a property is priced high or low.
- Income Value Calculator (Ertragswertverfahren)Determine the income value of a rented property using the simplified German income approach — from rental income, land value and capitalization rate.
- Buy vs. Rent CalculatorCompare the long-term net costs of buying versus renting over a period you choose.
Financing
Payments, repayment and refinancing
- Mortgage CalculatorCalculate monthly payments, total interest, and loan payoff timeline for German mortgages.
- Extra Repayment CalculatorCalculate how annual extra repayments shorten your loan term and save interest.
- Refinancing & Remaining Debt Calculator (Anschlussfinanzierung)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.
- Prepayment Penalty Calculator (Vorfälligkeitsentschädigung)Estimate the prepayment penalty for paying off your German property loan early — using the simplified asset-liability method.
Returns
Whether the flat pays for itself
- Rental Yield CalculatorCalculate gross and net rental yield based on purchase price, monthly rent, and expected vacancy.
- Cashflow CalculatorCalculate monthly and annual cashflow from rental income minus all expenses.
- ROI CalculatorCalculate return on investment based on equity invested and annual net income.
- Rent Increase Calculator (Kappungsgrenze)Check how much the rent may be increased under §558 BGB — limited by the Kappungsgrenze cap and the local comparative rent.
Tax
What the tax office sees
- Depreciation Calculator (AfA)Calculate the annual building depreciation (AfA) and estimated tax savings for rental properties.
- Property Tax Calculator (Grundsteuer)Calculate the annual property tax from assessed value, tax index, and the municipal multiplier (Hebesatz).
- Speculation Tax Calculator (Spekulationssteuer)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.
These calculations are for informational purposes only. Consult a professional for financial advice.