Mortgage calculator for Germany
Monthly payments, interest costs and time to repay your loan.
The amount borrowed from the bank, excluding your own contribution. The German term is Darlehensbetrag.
The rate stays fixed for this long
The interest rate stays fixed for this period (Zinsbindung). Any remaining debt will need new financing terms afterwards.
Enter the nominal borrowing rate (Sollzins). The effective annual rate is used to compare the overall cost of offers.
With 2% initial repayment on a €300,000 loan, €500 of the first payment repays principal. This share then grows within the regular payment.
About this rate
An indicative nominal rate for an initial calculation. Tupa24 maintains the values manually; they are not a personal bank offer.
Extra repayments (Sondertilgung)Set an amount up to 10% per year
Maximum 10% of the loan amount. The slider changes the amount in 1 percentage point steps. The payment is applied at the end of every loan year until the loan is fully repaid.
Your loan contract sets the permitted amounts and timing of extra payments. The calculator does not check these limits or include any early repayment charge the bank may require.
Repayment plan
Move the mouse or drag across the chart to see values for a year. Keyboard: arrow keys ← →.
Compared with the same terms and no extra repayments.
What if the rate changes after the fixed period?
- Remaining principal
- Time left to repay
- Future interest
- Total payments after the fixed period
at the end of the fixed period
over the remaining term
remaining principal + future interest
Repayment schedule
The table updates when inputs change. Scroll down for the full term and right for the remaining columns.
| Opening balance | Regular payments | Principal repaid | Interest | Extra repayments | Closing balance |
|---|
Amounts are rounded to whole euros. Regular payments already include interest. Extra repayments are in the yellow column.
For consultation notes. Included in print; cleared when the page is reloaded.
Prints the chart, results and notes. Open the schedule to include all its rows.
Save this calculation
The link contains the input data. Opening it recalculates the result with the current calculator version.
Save the link or send it to someone else. Calculation notes are not included.
Indicative calculation with monthly payments. Purchase costs, property running costs, insurance and possible fees are excluded. Extra repayments follow your selected settings. This is not a bank offer.
Want to run your property through together?
We find the right financing and check the calculation for your situation.