Tools - German Sherpa

Consultation Tools

Net Income Calculator

Pension & Points Calculator

Tax Saving Scheme Calculator

Client Income (€): Married Partner Income (€): Per year or month? Tax Rate (%): Married? Your Desired Rürup Contribution (€ per year):

Result

Total Gross Income: 163,000 €

Pension Contributions (AN + AG, capped): 30,318 €

Max. possible additional Rürup contribution: 28,370 €

Chosen Rürup contribution: 5,000 €

Estimated Tax Refund: 2,100 €

Disclaimer: This tool provides an estimation for informational purposes only and does not constitute tax advice.

What can you afford?

Your available monthly budget (€): 1300 Your equity (€): Interest rate (% p.a.): Initial repayment (% p.a.):

Result Overview

Maximum Property Price: 308,145 €

Monthly Available Budget: 1,300 €

Estimated Loan Amount: 263,959 €

Estimated Closing Costs (10%): 30,814 €

Equity: 75,000 €

Interest Rate: 3.91% p.a.

Initial Repayment: 2.00% p.a.

Disclaimer: This is a non-binding sample calculation and does not constitute financial advice.

* This amount is calculated from your monthly available amount x 12 divided by the borrowing rate + repayment x 100.
** 10% of the purchase price, in particular notary and land registry costs, land transfer tax and estate agent’s commission. The ancillary costs should be covered by equity.
The results are rounded.

Full Financing Calculator

Loan Amount (€): 550,000 Interest Rate during Fixed Period (% p.a.): Interest Rate After Fixed Period (% p.a.): Initial Repayment p.a. (%): Loan Term (Years): Fixed Interest Period (Years): Annual Special Repayment (% of loan):

Fixed Interest Period (10 Years)

Monthly Payment: 2516.25 €

Total Payment: 301950.00 €

Special Repayments (5.0%/year): 275000.00 €

Remaining Period (18 Years)

Monthly Payment: 3208.33 €

Total Payment: 693000.00 €

Summary

Total Loan Amount: 550000.00 €

Total Interest Paid: 444950.00 €

Total Payment Over 28 Years: 994950.00 €

Estimated Remaining Debt After 10 Years: 165000.00 €