Tool
How Much House Can I Afford?
How it works: The calculator assumes a monthly loan payment of 30 to 35% of
net household income – a common rule of thumb, not a requirement set by your bank. What comes
out is therefore a range, not a single figure. Purchase-related costs are
included.
What this figure is not: not a financing commitment and not a statement about
your particular situation. Banks work from your full household budget, the loan-to-value ratio
and surcharges that do not appear here. Amounts are rounded to the nearest thousand – a
euro-exact figure would claim a precision a rule of thumb does not have.
This exact calculation – with your real numbers instead of rules of thumb – is stage 01 of the Homekompass app: household finances first, then construction costs, financing, and plan-vs-actual. → Sign up for the test phase
This calculator gives a rough orientation and does not constitute financial, investment or
legal advice. The 35% rule of thumb is deliberately conservative; banks assess each case
individually (household budget, loan-to-value, creditworthiness) and may reach different
results. Purchase costs vary by German state – the transfer tax alone ranges from 3.5% to
6.5% (see the transfer tax calculator). For a binding
assessment, talk to your bank or an independent financial advisor.