# Property Investment Calculators – 17 Free Tools for Germany

> Calculators for buying property as an investment in Germany: rental yield, cash flow, transfer tax, closing costs and financing – free, for all 16 states.

Canonical: https://www.investbud.de/en/calculators

- [Property Transfer Tax Calculator](https://www.investbud.de/en/calculators/grunderwerbsteuer) - Calculate the Grunderwerbsteuer (property transfer tax) for any German state based on the purchase price.
- [Rental Yield Calculator](https://www.investbud.de/en/calculators/rental-yield) - Calculate gross and net rental yield based on purchase price, monthly rent, and expected vacancy.
- [Mortgage Calculator](https://www.investbud.de/en/calculators/mortgage) - Calculate monthly payments, total interest, and loan payoff timeline for German mortgages.
- [ROI Calculator](https://www.investbud.de/en/calculators/roi) - Calculate return on investment based on equity invested and annual net income.
- [Closing Costs Calculator](https://www.investbud.de/en/calculators/closing-costs) - Calculate total Nebenkosten including transfer tax, notary fees, land registry, and agent commission.
- [Cashflow Calculator](https://www.investbud.de/en/calculators/cashflow) - Calculate monthly and annual cashflow from rental income minus all expenses.
- [Depreciation Calculator (AfA)](https://www.investbud.de/en/calculators/afa) - Calculate the annual building depreciation (AfA) and estimated tax savings for rental properties.
- [Extra Repayment Calculator](https://www.investbud.de/en/calculators/sondertilgung) - Calculate how annual extra repayments shorten your loan term and save interest.
- [Buy vs. Rent Calculator](https://www.investbud.de/en/calculators/buy-vs-rent) - Compare the long-term net costs of buying versus renting over a period you choose.
- [Property Tax Calculator (Grundsteuer)](https://www.investbud.de/en/calculators/grundsteuer) - Calculate the annual property tax from assessed value, tax index, and the municipal multiplier (Hebesatz).
- [Speculation Tax Calculator (Spekulationssteuer)](https://www.investbud.de/en/calculators/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.
- [Price-to-Rent Ratio Calculator (Kaufpreisfaktor)](https://www.investbud.de/en/calculators/kaufpreisfaktor) - Calculate the Kaufpreisfaktor (rent multiplier) from purchase price and annual net cold rent, and check whether a property is priced high or low.
- [Refinancing & Remaining Debt Calculator (Anschlussfinanzierung)](https://www.investbud.de/en/calculators/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.
- [Rent Increase Calculator (Kappungsgrenze)](https://www.investbud.de/en/calculators/mieterhoehung) - Check how much the rent may be increased under §558 BGB — limited by the Kappungsgrenze cap and the local comparative rent.
- [Property Budget Calculator](https://www.investbud.de/en/calculators/budget) - How much property can you afford? Calculate your maximum purchase price and loan from income, equity and the purchase costs of your federal state.
- [Income Value Calculator (Ertragswertverfahren)](https://www.investbud.de/en/calculators/ertragswert) - Determine the income value of a rented property using the simplified German income approach — from rental income, land value and capitalization rate.
- [Prepayment Penalty Calculator (Vorfälligkeitsentschädigung)](https://www.investbud.de/en/calculators/vorfaelligkeitsentschaedigung) - Estimate the prepayment penalty for paying off your German property loan early — using the simplified asset-liability method.