Closed test phase · in progress

One chain,
not a patchwork of spreadsheets.

Homekompass connects household finances, construction costs, financing, and plan-vs-actual tracking in one continuous chain – local on your iPhone, no account, with contract-verified interest calculations.

Sign up for TestFlight How it works →
Your journey in the app
Orientation
Offers
Contract
Building
Total budget (plan)€685,000
Cost forecast€702,300
Monthly payment€2,140
Financing€460,000
Example project
YOUR STAGE DECIDES WHAT THE APP SUGGESTS NEXT
13calculation rules explicitly decided & documented
0account, 100% local on your device
30/360German day-count method — confirmed in 4 real loan contracts
5stages of a mortgage in one app
How Homekompass works

Five stages, one data model

Each stage builds on the last — no export-and-retype breaks between spreadsheets, bank PDFs, and construction schedules.

01

Household finances

Income, expenses, reserves — the real foundation before the first cost item exists.

02

Cost planning

Cost categories, plan/forecast/actual per line item, with status tracking.

03

Financing structure

Annuity or constant-principal loans, calculated to the contract — no approximation.

04

Plan vs. actual

Where the build deviates from plan — visible immediately, not first at the bank meeting.

05

Lifecycle

After moving in: keep track of the property going forward, not just until the final invoice.

Financing in detail

Contract-accurate calculation

The financing section computes by the rules written in real loan contracts — no approximations.

Annuity & constant principal

Both real-world loan forms: the bank loan with a fixed instalment, the private loan with constant principal.

Several building blocks, one plan

Bank loan, KfW and private loans as components of one plan — the way real construction financing is structured.

Rules, not assumptions

Rounding differences land in the final instalment; nominal and effective rates stay separate figures — matching the bank's amortization schedule.

In closed testing

The Homekompass app is already running

The blog is just the start – the real work sits in the Homekompass app: your personal mortgage-planning assistant, helping you work through your financing step by step instead of just comparing offers. The first version is finished and currently being tested with a small group.

An interactive financing plan

Instead of a static comparison table.

Compare offers

Several bank offers side by side, with versions.

Plan vs. actual on site

Record payments, see deviations immediately.

Status: The closed test phase is running with a small group, and the first round of feedback has already been incorporated. The group will be expanded step by step; the public launch follows once everything is ready.

Sign up below to hear from us as soon as the test group opens up.

Get notified
Homekompass — home screen showing progress through the four project phases, the total budget and the suggested next step Homekompass — financing overview in dark mode with loan amount, monthly instalment and offer comparison

Latest posts

Current topics around German mortgage financing and retirement savings for homeowners.

July 23, 2026

Follow-Up Financing: When to Act – and the Three Paths You Can Take

Prolongation, refinancing or a forward loan? Plus the 10-year exit right under § 489 BGB that many don't know about.
July 23, 2026

KfW New-Build Subsidy: The EH55 Loan Ends by Late 2026 at the Latest – and the Pot Is Draining

Loans up to €100,000 at around 1% interest, but less than half of the €800M budget remains. Why the Dec 31 deadline is deceptive.
July 13, 2026

KfW Heat Pump Subsidy: Mind the July 20, 2026 Deadline

New KfW conditions for the building efficiency subsidy (BEG) take effect July 21, 2026. Anyone with a valid application confirmation can still apply under current terms until July 20.

All posts →

Calculators

Do the maths before you sign

Interactive tools to quickly get an initial read on common questions around mortgage financing and buying a property.

Tool

How Much House Can I Afford?

Enter net income, equity and interest rate – get a rough purchase-price budget including purchase costs.

To the calculator → Tool

Wohn-Riester Quick Check

Three questions, one rough indication: old or new subsidy system from 2027?

To the calculator → Tool

Real Estate Transfer Tax Calculator

Enter purchase price and state, see the estimated transfer tax instantly.

To the calculator →

Sign up for the test phase

The closed test phase is already running. Sign up to hear from us as soon as the group is expanded – plus short updates on new tools and posts. No spam.

Contact

Feedback, questions or interest in Homekompass? Send a short message.