Tool
How Much House Can I Afford?
How it works: Enter your net income, equity and loan terms – you'll get a
rough purchase-price budget based on the common rule of thumb that at most around 35% of net
household income should go toward the loan payment. Purchase-related costs are factored in.
This is a first orientation, not a financing commitment.
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.