Germany mortgage calculator 2026
Enter the loan amount, interest rate and term to see the monthly payment under the German mortgage market.
Monthly payment: €1,420.17
Total paid: €511,258.29 · Total interest: €211,258.29
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | €11,694.37 | €5,347.67 | €294,652.33 |
| 2 | €11,480.37 | €5,561.67 | €289,090.66 |
| 3 | €11,257.82 | €5,784.22 | €283,306.44 |
| 4 | €11,026.36 | €6,015.68 | €277,290.76 |
| 5 | €10,785.65 | €6,256.39 | €271,034.37 |
| 6 | €10,535.28 | €6,506.76 | €264,527.61 |
| 7 | €10,274.92 | €6,767.12 | €257,760.49 |
| 8 | €10,004.11 | €7,037.93 | €250,722.56 |
| 9 | €9,722.50 | €7,319.54 | €243,403.02 |
| 10 | €9,429.58 | €7,612.46 | €235,790.56 |
| … | |||
| 30 | €357.19 | €16,681.94 | €0.00 |
Bank rate comparison — Market average: 3.93 % (2026-05)
This calculation is indicative only. The market average is a snapshot as of the date shown and doesn't account for Kaufnebenkosten (~10–12%). It does not replace a binding bank offer.
How a German mortgage payment is calculated
A mortgage is repaid on an annuity basis — the payment stays constant during the rate-fixation period (Sollzinsbindung), only the interest/principal split changes.
M = P × i / (1 − (1 + i)⁻ⁿ), where P is the loan amount, i is the monthly rate (annual rate / 12) and n is the number of payments (years × 12).
Total interest is the difference between the sum of all payments and the original loan amount.
German banks don't publish uniform rate tables — the calculator therefore shows only the market average.
Examples: loan amount → monthly payment (default rate, 30 years)
| Loan amount | Monthly payment |
|---|---|
| €150,000.00 | €710.08 |
| €250,000.00 | €1,183.47 |
| €350,000.00 | €1,656.86 |
| €450,000.00 | €2,130.25 |
| €600,000.00 | €2,840.33 |
| €800,000.00 | €3,787.11 |
Frequently asked questions
How is the monthly mortgage payment calculated?
On an annuity basis, using M = P × i / (1 − (1+i)⁻ⁿ).
What is Sollzinsbindung?
The rate-fixation period, typically 10 or 15 years. After it ends, the bank offers a new rate (Anschlussfinanzierung).
What does 2% Tilgung mean?
The standard initial annual principal-repayment rate in Germany — this calculator derives the payment directly from the annuity based on rate and term.
Why doesn't the calculator compare specific banks?
German banks don't have public rate tables — the rate is set individually based on creditworthiness and loan-to-value.
How much can I borrow on my income?
That's answered by the separate mortgage affordability calculator — Germany has no statutory limits, only bank practice.
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Last updated: 18 July 2026