TilgungsPilot
How Much Mortgage Can I Afford?
Enter the monthly payment you can comfortably manage and your available equity. TilgungsPilot works backwards to the maximum purchase price you can afford in Germany, closing costs included.
How Much Mortgage Can I Afford? – calculate for free →How the affordability calculation works
Starting from your target monthly payment, the calculator solves the annuity formula for the loan amount, then adds your equity and subtracts the closing costs that banks won't finance. The key levers:
- Monthly budget — a common rule of thumb is no more than ~35% of net income
- Equity — more equity raises your price ceiling and lowers your rate
- Transfer tax — 3.5%–6.5% depending on the German state
Frequently asked questions
What monthly payment can I afford?
As a guideline, keep the payment around 35% of your net household income or below, leaving a buffer for living costs and maintenance.
Do closing costs count toward the purchase price?
No. Closing costs (transfer tax, notary, land registry, agent) are on top of the price and are usually paid from your own equity.