TilgungsPilot
Mortgage Calculator for Germany
TilgungsPilot is a free mortgage calculator for Germany built for expats. Enter your purchase price, equity and term to see your monthly payment, remaining balance and a full amortization schedule — using live interest rates from the Deutsche Bundesbank.
Mortgage Calculator for Germany – calculate for free →How a German mortgage works
A German mortgage (Baufinanzierung) is almost always an annuity loan: your monthly payment stays constant during the fixed-rate period and is split between interest and principal (Tilgung). The calculator needs four inputs:
- Loan amount — purchase price minus your equity
- Interest rate — depends on the fixed term and your loan-to-value (LTV)
- Initial repayment rate — typically 2%–3% per year
- Fixed-rate period — 10, 15, 20 or 30 years
Extra costs expats should know
Banks usually finance only the purchase price, not the closing costs (transfer tax, notary, land registry, agent — roughly 9%–15%). Holders of an EU Blue Card or a temporary residence permit often face a small rate premium or a higher minimum down-payment, which this calculator models.
Calculate for free →