Buying a property
Run the numbers before you sign the Kaufvertrag.
Buying
Closing Cost Calculator
Estimate Grunderwerbsteuer, notary, land registry, and agent fees for every German Bundesland. Shows your total capital requirement before financing.
- All 16 states with current 2026 rates (3.5%-6.5%)
- Notary + Grundbuch + Maklerprovision
- Total transaction cost in euros
Buying
Mortgage Calculator
Model your Annuitätendarlehen. Monthly Rate, full amortization, total interest over Zinsbindung, and Sondertilgung impact.
- Annual annuity = (rate + Tilgung) × loan amount
- Year-by-year amortization schedule
- Sondertilgung + Tilgungssatzwechsel modelling
Returns & yield
Know what the property actually earns after costs.
Operations & rent setting
Stay compliant with German tenancy law.
Tax & depreciation
Optimise your Steuererklärung as a landlord.
Tax
AfA Calculator
Estimate your annual depreciation (Absetzung für Abnutzung). Supports 2%, 3% (post-2023 buildings), and the new degressive option.
- Linear 2% / 3% / degressive 5%
- Building share of purchase price
- Annual + cumulative depreciation
Tax
Anlage V Tax Calculator
Estimate your annual rental income tax. Fills in the key Anlage V positions: Einnahmen, Werbungskosten, AfA, Schuldzinsen.
- Rental profit/loss calculation
- Werbungskosten breakdown
- Tax impact at your marginal rate
How to use them together
A typical buy-and-hold landlord runs these in sequence:
- 1
Closing Cost Calculator + Mortgage Calculator
Confirm your total equity need (purchase price + closing costs) and the monthly Annuität before viewings.
- 2
Stress-test gross and net yield against the asking rent. If net yield is below ~3% after non-allocable costs, the deal usually doesn't work.
- 3
Before you sign a new tenant, check the legal maximum rent for your address. The cap can be 20-30% below market in tight cities.
- 4
AfA Calculator + Anlage V Tax Calculator
At year-end, calculate your depreciation and complete the Anlage V form. Most rental properties show a tax loss in the early years that reduces your other income tax.
Frequently asked questions
Are the calculators free?
Yes. All calculators are free, unlimited, and require no signup. They run entirely in your browser, and no data is stored or sent to a server.
Which calculator should I start with?
If you're considering a purchase, start with the Closing Cost Calculator to size your equity requirement, then the Mortgage Calculator for the monthly rate, and the Rental Yield Calculator to confirm the property actually makes financial sense. For existing landlords, the Anlage V Tax Calculator and AfA Calculator are the highest-value tools.
Do the calculators reflect 2026 tax rates and rules?
Yes. All calculators are updated for the 2026 tax year: current Grunderwerbsteuer rates in all 16 Bundesländer, the 3% AfA rate for buildings completed from 2023, the latest Mietpreisbremse rules, and current Anlage V form fields.
Can I use the calculators in German or English?
Yes. Every calculator is available in both English and German. The German version uses German number formatting (1.234,56 €) and standard German real-estate terminology (Kaltmiete, Hausgeld, Tilgung, AfA, etc.).
How accurate are the projections?
The calculators use standard formulas accepted by German banks, tax offices, and BetrKV. Outputs are illustrative and depend on the values you enter. For binding decisions, especially tax and financing, confirm results with your Steuerberater and your bank.
Are the calculators DSGVO compliant?
Yes. All computation happens locally in your browser. We don't store, transmit, or share any of the values you enter. The site itself uses only essential cookies and a minimal analytics setup hosted in the EU.
Beyond the calculators
Vermietler turns these calculators into an integrated rental management platform. Track real rent, real expenses, real cash flow, and generate Nebenkostenabrechnungen automatically.