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From budget to notary appointment: all the numbers for buying a home in Germany, in five steps.

1. 1Home Affordability Calculator (Germany)Enter your income, equity and target monthly payment. See your maximum purchase price instantly.
2. 2Property Valuation Calculator (Germany)Value your property in Germany for free: estimate market value using the German cost approach (Sachwertverfahren) with regional land values, NHK tables and a transparent calculation.
3. 3Closing Costs Calculator (Germany)Property transfer tax (Grunderwerbsteuer), notary, land registry and agent commission. Calculated instantly by federal state.
4. 4Mortgage Calculator (Germany)Calculate your monthly mortgage payment, remaining debt and the interest vs. principal split across the full loan term.
5. 5Notary Fees Calculator (Germany)Calculate notary and land registry costs with an exact breakdown under the German fee schedule (GNotKG), including mortgage registration and VAT.

First the value, then the costs: how to run the full numbers on your sale.

1. 1Property Valuation Calculator (Germany)Value your property in Germany for free: estimate market value using the German cost approach (Sachwertverfahren) with regional land values, NHK tables and a transparent calculation.
2. 2Agent Commission Calculator (Germany)Calculate the real estate agent commission by federal state: buyer and seller shares plus total commission incl. VAT, with the 'who orders pays' principle.
3. 3Capital Gains Tax Calculator (Germany)Calculate the speculation/capital gains tax (Spekulationssteuer) on a property sale: 10-year holding period, owner-occupation, capital gain and tax due under § 23 EStG.
4. 4Prepayment Penalty Calculator (Germany)Estimate the German prepayment penalty on early mortgage repayment: asset-liability method, reinvestment rate and special repayments, with a § 489 BGB check.

Yield, cash flow, taxes: run your investment numbers from every angle.

1. 1Rental Yield Calculator (Germany)Calculate gross and net rental yield plus the price-to-rent multiple, including a traffic-light rating.
2. 2Rental Cash Flow Calculator (Germany)Calculate monthly cash flow, cash-on-cash return and return on equity, including the tax effect (depreciation/AfA, loss offset) and a multi-year projection.
3. 3Depreciation Calculator (Germany)Calculate depreciation (AfA) and tax saving on a let German property: purchase-price split, straight-line, declining-balance and § 7b special depreciation, and the saving over the full period.
4. 4Rent Increase Calculator (Germany)Calculate the maximum legal rent increase: check the capping limit (Kappungsgrenze, 15% or 20%) and the local reference rent. For landlords and tenants.

Rent, service charges, floor area: check whether you are being treated fairly.

1. 1Utility Costs Calculator for Tenants (Germany)Estimate monthly operating costs (Nebenkosten) by living area: a breakdown by cost type and a check on whether your utility costs are too high.
2. 2Living Area Calculator (Germany, WoFlV)Calculate living area under the German Living Area Ordinance (WoFlV), including sloped ceilings, balconies and terraces.
3. 3Rent vs. Buy Calculator (Germany)Rent or buy? Compare both scenarios over up to 40 years, with break-even analysis, ETF returns and closing costs.

From energy check to subsidies: plan your renovation step by step.

1. 1Energy Efficiency Quick Check (Germany)Quickly estimate your property's energy class, with a check of obligations under the new Building Modernisation Act (GModG), renovation recommendations and a CO₂ forecast. No energy certificate needed.
2. 2Heating Cost Comparison CalculatorCompare heat pump, gas boiler, pellets and district heating in Germany over 20 years, with 2026 KfW funding, CO₂ price and the Bio-Treppe under the GModG.
3. 3Renovation Cost Calculator (Germany)Estimate German renovation costs per measure: a cost range for roof, facade, windows, heating and bathroom, a total, the value per m² and an honest 2026 funding hint.
4. 4KfW Subsidy Finder (Germany)Which KfW and BAFA grants fit your project in 2026? The finder matches your plan to the right programmes, with an estimated amount and application links.

Value, allowances, taxes: plan the transfer within the family.

1. 1Property Valuation Calculator (Germany)Value your property in Germany for free: estimate market value using the German cost approach (Sachwertverfahren) with regional land values, NHK tables and a transparent calculation.
2. 2Inheritance Tax Calculator (Germany)Calculate German inheritance tax on a house or flat: allowance by relationship, tax class, family-home exemption and tax rate under the ErbStG.
3. 3Gift Tax Calculator (Germany)Calculate German gift tax when transferring a property during your lifetime: allowances, reserved usufruct or right of residence, several recipients and the 10-year rule.