🇩🇪 German Real Estate Loan, Annual Return Rate (IRR) & Cash Flow Calculator

Current Scenario:New Scenario(Not Saved)

Loan & Purchase

6.00 %
%
%
% p.a.
% p.a.

Investment Analysis (Rental & Exit)

Enable investment analysis if you plan to rent and sell

Total Purchase Cost

€557,850.00

Purchase Price: €500,000.00|Land Transfer Tax: €30,000.00|Notar Cost: €10,000.00|Agent Cost: €17,850.00

Loan Amount

€457,850.00

Avg. Monthly Payment

€2,094.50

Total Interest

€271,036.81

Debt-Free In

29 years

Amortization Schedule

MonthPaymentInterestPrincipalRemaining Debt
1€2,098.48€1,335.40€763.08€457,086.92
2€2,098.48€1,333.17€765.31€456,321.61
3€2,098.48€1,330.94€767.54€455,554.07
4€2,098.48€1,328.70€769.78€454,784.29
5€2,098.48€1,326.45€772.03€454,012.26
6€2,098.48€1,324.20€774.28€453,237.99
7€2,098.48€1,321.94€776.54€452,461.45
8€2,098.48€1,319.68€778.80€451,682.65
9€2,098.48€1,317.41€781.07€450,901.58
10€2,098.48€1,315.13€783.35€450,118.23
11€2,098.48€1,312.84€785.64€449,332.59
12€2,098.48€1,310.55€787.93€448,544.66
13€2,098.48€1,308.26€790.22€447,754.44
14€2,098.48€1,305.95€792.53€446,961.91
15€2,098.48€1,303.64€794.84€446,167.07
16€2,098.48€1,301.32€797.16€445,369.91
17€2,098.48€1,299.00€799.48€444,570.43
18€2,098.48€1,296.66€801.82€443,768.62
19€2,098.48€1,294.33€804.15€442,964.47
20€2,098.48€1,291.98€806.50€442,157.97
21€2,098.48€1,289.63€808.85€441,349.12
22€2,098.48€1,287.27€811.21€440,537.91
23€2,098.48€1,284.90€813.58€439,724.33
24€2,098.48€1,282.53€815.95€438,908.38
25€2,098.48€1,280.15€818.33€438,090.05
26€2,098.48€1,277.76€820.72€437,269.33
27€2,098.48€1,275.37€823.11€436,446.22
28€2,098.48€1,272.97€825.51€435,620.71
29€2,098.48€1,270.56€827.92€434,792.79
30€2,098.48€1,268.15€830.33€433,962.47
31€2,098.48€1,265.72€832.76€433,129.71
32€2,098.48€1,263.29€835.19€432,294.52
33€2,098.48€1,260.86€837.62€431,456.90
34€2,098.48€1,258.42€840.06€430,616.84
35€2,098.48€1,255.97€842.51€429,774.33
36€2,098.48€1,253.51€844.97€428,929.36
37€2,098.48€1,251.04€847.44€428,081.92
38€2,098.48€1,248.57€849.91€427,232.01
39€2,098.48€1,246.09€852.39€426,379.62
40€2,098.48€1,243.61€854.87€425,524.75
41€2,098.48€1,241.11€857.37€424,667.38
42€2,098.48€1,238.61€859.87€423,807.52
43€2,098.48€1,236.11€862.37€422,945.15
44€2,098.48€1,233.59€864.89€422,080.26
45€2,098.48€1,231.07€867.41€421,212.85
46€2,098.48€1,228.54€869.94€420,342.91
47€2,098.48€1,226.00€872.48€419,470.43
48€2,098.48€1,223.46€875.02€418,595.41
49€2,098.48€1,220.90€877.58€417,717.83
50€2,098.48€1,218.34€880.14€416,837.69
51€2,098.48€1,215.78€882.70€415,954.99
52€2,098.48€1,213.20€885.28€415,069.71
53€2,098.48€1,210.62€887.86€414,181.85
54€2,098.48€1,208.03€890.45€413,291.41
55€2,098.48€1,205.43€893.05€412,398.36
56€2,098.48€1,202.83€895.65€411,502.71
57€2,098.48€1,200.22€898.26€410,604.45
58€2,098.48€1,197.60€900.88€409,703.57
59€2,098.48€1,194.97€903.51€408,800.06
60€2,098.48€1,192.33€906.15€407,893.91
61€2,098.48€1,189.69€908.79€406,985.12
62€2,098.48€1,187.04€911.44€406,073.68
63€2,098.48€1,184.38€914.10€405,159.58
64€2,098.48€1,181.72€916.76€404,242.82
65€2,098.48€1,179.04€919.44€403,323.38
66€2,098.48€1,176.36€922.12€402,401.27
67€2,098.48€1,173.67€924.81€401,476.46
68€2,098.48€1,170.97€927.51€400,548.95
69€2,098.48€1,168.27€930.21€399,618.74
70€2,098.48€1,165.55€932.93€398,685.81
71€2,098.48€1,162.83€935.65€397,750.16
72€2,098.48€1,160.10€938.38€396,811.78
73€2,098.48€1,157.37€941.11€395,870.67
74€2,098.48€1,154.62€943.86€394,926.81
75€2,098.48€1,151.87€946.61€393,980.20
76€2,098.48€1,149.11€949.37€393,030.83
77€2,098.48€1,146.34€952.14€392,078.69
78€2,098.48€1,143.56€954.92€391,123.78
79€2,098.48€1,140.78€957.70€390,166.08
80€2,098.48€1,137.98€960.50€389,205.58
81€2,098.48€1,135.18€963.30€388,242.28
82€2,098.48€1,132.37€966.11€387,276.17
83€2,098.48€1,129.56€968.92€386,307.25
84€2,098.48€1,126.73€971.75€385,335.50
85€2,098.48€1,123.90€974.58€384,360.92
86€2,098.48€1,121.05€977.43€383,383.49
87€2,098.48€1,118.20€980.28€382,403.21
88€2,098.48€1,115.34€983.14€381,420.07
89€2,098.48€1,112.48€986.00€380,434.07
90€2,098.48€1,109.60€988.88€379,445.20
91€2,098.48€1,106.72€991.76€378,453.44
92€2,098.48€1,103.82€994.66€377,458.78
93€2,098.48€1,100.92€997.56€376,461.22
94€2,098.48€1,098.01€1,000.47€375,460.75
95€2,098.48€1,095.09€1,003.39€374,457.36
96€2,098.48€1,092.17€1,006.31€373,451.05
97€2,098.48€1,089.23€1,009.25€372,441.80
98€2,098.48€1,086.29€1,012.19€371,429.61
99€2,098.48€1,083.34€1,015.14€370,414.47
100€2,098.48€1,080.38€1,018.10€369,396.37
101€2,098.48€1,077.41€1,021.07€368,375.30
102€2,098.48€1,074.43€1,024.05€367,351.26
103€2,098.48€1,071.44€1,027.04€366,324.22
104€2,098.48€1,068.45€1,030.03€365,294.19
105€2,098.48€1,065.44€1,033.04€364,261.15
106€2,098.48€1,062.43€1,036.05€363,225.10
107€2,098.48€1,059.41€1,039.07€362,186.03
108€2,098.48€1,056.38€1,042.10€361,143.93
109€2,098.48€1,053.34€1,045.14€360,098.79
110€2,098.48€1,050.29€1,048.19€359,050.60
111€2,098.48€1,047.23€1,051.25€357,999.35
112€2,098.48€1,044.16€1,054.32€356,945.03
113€2,098.48€1,041.09€1,057.39€355,887.64
114€2,098.48€1,038.01€1,060.47€354,827.18
115€2,098.48€1,034.91€1,063.57€353,763.61
116€2,098.48€1,031.81€1,066.67€352,696.94
117€2,098.48€1,028.70€1,069.78€351,627.16
118€2,098.48€1,025.58€1,072.90€350,554.26
119€2,098.48€1,022.45€1,076.03€349,478.23
120€2,098.48€1,019.31€1,079.17€348,399.06
121€2,098.48€1,016.16€1,082.32€347,316.74
122€2,098.48€1,013.01€1,085.47€346,231.27
123€2,098.48€1,009.84€1,088.64€345,142.63
124€2,098.48€1,006.67€1,091.81€344,050.82
125€2,098.48€1,003.48€1,095.00€342,955.82
126€2,098.48€1,000.29€1,098.19€341,857.64
127€2,098.48€997.08€1,101.40€340,756.24
128€2,098.48€993.87€1,104.61€339,651.63
129€2,098.48€990.65€1,107.83€338,543.80
130€2,098.48€987.42€1,111.06€337,432.74
131€2,098.48€984.18€1,114.30€336,318.44
132€2,098.48€980.93€1,117.55€335,200.89
133€2,098.48€977.67€1,120.81€334,080.08
134€2,098.48€974.40€1,124.08€332,956.00
135€2,098.48€971.12€1,127.36€331,828.64
136€2,098.48€967.83€1,130.65€330,697.99
137€2,098.48€964.54€1,133.94€329,564.05
138€2,098.48€961.23€1,137.25€328,426.81
139€2,098.48€957.91€1,140.57€327,286.24
140€2,098.48€954.58€1,143.90€326,142.34
141€2,098.48€951.25€1,147.23€324,995.11
142€2,098.48€947.90€1,150.58€323,844.53
143€2,098.48€944.55€1,153.93€322,690.60
144€2,098.48€941.18€1,157.30€321,533.30
145€2,098.48€937.81€1,160.67€320,372.63
146€2,098.48€934.42€1,164.06€319,208.57
147€2,098.48€931.03€1,167.45€318,041.12
148€2,098.48€927.62€1,170.86€316,870.26
149€2,098.48€924.20€1,174.28€315,695.98
150€2,098.48€920.78€1,177.70€314,518.29
151€2,098.48€917.34€1,181.14€313,337.15
152€2,098.48€913.90€1,184.58€312,152.57
153€2,098.48€910.44€1,188.04€310,964.53
154€2,098.48€906.98€1,191.50€309,773.03
155€2,098.48€903.50€1,194.98€308,578.05
156€2,098.48€900.02€1,198.46€307,379.59
157€2,098.48€896.52€1,201.96€306,177.63
158€2,098.48€893.02€1,205.46€304,972.17
159€2,098.48€889.50€1,208.98€303,763.19
160€2,098.48€885.98€1,212.50€302,550.69
161€2,098.48€882.44€1,216.04€301,334.65
162€2,098.48€878.89€1,219.59€300,115.07
163€2,098.48€875.34€1,223.14€298,891.93
164€2,098.48€871.77€1,226.71€297,665.22
165€2,098.48€868.19€1,230.29€296,434.93
166€2,098.48€864.60€1,233.88€295,201.05
167€2,098.48€861.00€1,237.48€293,963.57
168€2,098.48€857.39€1,241.09€292,722.48
169€2,098.48€853.77€1,244.71€291,477.77
170€2,098.48€850.14€1,248.34€290,229.43
171€2,098.48€846.50€1,251.98€288,977.45
172€2,098.48€842.85€1,255.63€287,721.82
173€2,098.48€839.19€1,259.29€286,462.53
174€2,098.48€835.52€1,262.96€285,199.58
175€2,098.48€831.83€1,266.65€283,932.93
176€2,098.48€828.14€1,270.34€282,662.59
177€2,098.48€824.43€1,274.05€281,388.54
178€2,098.48€820.72€1,277.76€280,110.78
179€2,098.48€816.99€1,281.49€278,829.29
180€2,098.48€813.25€1,285.23€277,544.06
181€2,098.48€809.50€1,288.98€276,255.08
182€2,098.48€805.74€1,292.74€274,962.34
183€2,098.48€801.97€1,296.51€273,665.83
184€2,098.48€798.19€1,300.29€272,365.54
185€2,098.48€794.40€1,304.08€271,061.46
186€2,098.48€790.60€1,307.88€269,753.59
187€2,098.48€786.78€1,311.70€268,441.89
188€2,098.48€782.96€1,315.52€267,126.37
189€2,098.48€779.12€1,319.36€265,807.01
190€2,098.48€775.27€1,323.21€264,483.80
191€2,098.48€771.41€1,327.07€263,156.73
192€2,098.48€767.54€1,330.94€261,825.79
193€2,098.48€763.66€1,334.82€260,490.97
194€2,098.48€759.77€1,338.71€259,152.26
195€2,098.48€755.86€1,342.62€257,809.64
196€2,098.48€751.94€1,346.54€256,463.10
197€2,098.48€748.02€1,350.46€255,112.64
198€2,098.48€744.08€1,354.40€253,758.25
199€2,098.48€740.13€1,358.35€252,399.90
200€2,098.48€736.17€1,362.31€251,037.59
201€2,098.48€732.19€1,366.29€249,671.30
202€2,098.48€728.21€1,370.27€248,301.03
203€2,098.48€724.21€1,374.27€246,926.76
204€2,098.48€720.20€1,378.28€245,548.48
205€2,098.48€716.18€1,382.30€244,166.18
206€2,098.48€712.15€1,386.33€242,779.85
207€2,098.48€708.11€1,390.37€241,389.48
208€2,098.48€704.05€1,394.43€239,995.05
209€2,098.48€699.99€1,398.49€238,596.56
210€2,098.48€695.91€1,402.57€237,194.00
211€2,098.48€691.82€1,406.66€235,787.34
212€2,098.48€687.71€1,410.77€234,376.57
213€2,098.48€683.60€1,414.88€232,961.69
214€2,098.48€679.47€1,419.01€231,542.68
215€2,098.48€675.33€1,423.15€230,119.53
216€2,098.48€671.18€1,427.30€228,692.23
217€2,098.48€667.02€1,431.46€227,260.77
218€2,098.48€662.84€1,435.64€225,825.13
219€2,098.48€658.66€1,439.82€224,385.31
220€2,098.48€654.46€1,444.02€222,941.29
221€2,098.48€650.25€1,448.23€221,493.06
222€2,098.48€646.02€1,452.46€220,040.61
223€2,098.48€641.79€1,456.69€218,583.92
224€2,098.48€637.54€1,460.94€217,122.98
225€2,098.48€633.28€1,465.20€215,657.78
226€2,098.48€629.00€1,469.48€214,188.30
227€2,098.48€624.72€1,473.76€212,714.54
228€2,098.48€620.42€1,478.06€211,236.48
229€2,098.48€616.11€1,482.37€209,754.11
230€2,098.48€611.78€1,486.70€208,267.41
231€2,098.48€607.45€1,491.03€206,776.38
232€2,098.48€603.10€1,495.38€205,281.00
233€2,098.48€598.74€1,499.74€203,781.26
234€2,098.48€594.36€1,504.12€202,277.15
235€2,098.48€589.98€1,508.50€200,768.65
236€2,098.48€585.58€1,512.90€199,255.75
237€2,098.48€581.16€1,517.32€197,738.43
238€2,098.48€576.74€1,521.74€196,216.69
239€2,098.48€572.30€1,526.18€194,690.51
240€2,098.48€567.85€1,530.63€193,159.88
241€2,098.48€563.38€1,535.10€191,624.78
242€2,098.48€558.91€1,539.57€190,085.21
243€2,098.48€554.42€1,544.06€188,541.15
244€2,098.48€549.91€1,548.57€186,992.58
245€2,098.48€545.40€1,553.08€185,439.50
246€2,098.48€540.87€1,557.61€183,881.90
247€2,098.48€536.32€1,562.16€182,319.74
248€2,098.48€531.77€1,566.71€180,753.03
249€2,098.48€527.20€1,571.28€179,181.75
250€2,098.48€522.61€1,575.87€177,605.88
251€2,098.48€518.02€1,580.46€176,025.42
252€2,098.48€513.41€1,585.07€174,440.35
253€2,098.48€508.78€1,589.70€172,850.65
254€2,098.48€504.15€1,594.33€171,256.32
255€2,098.48€499.50€1,598.98€169,657.34
256€2,098.48€494.83€1,603.65€168,053.69
257€2,098.48€490.16€1,608.32€166,445.37
258€2,098.48€485.47€1,613.01€164,832.37
259€2,098.48€480.76€1,617.72€163,214.65
260€2,098.48€476.04€1,622.44€161,592.21
261€2,098.48€471.31€1,627.17€159,965.04
262€2,098.48€466.56€1,631.92€158,333.12
263€2,098.48€461.80€1,636.68€156,696.44
264€2,098.48€457.03€1,641.45€155,054.99
265€2,098.48€452.24€1,646.24€153,408.75
266€2,098.48€447.44€1,651.04€151,757.71
267€2,098.48€442.63€1,655.85€150,101.86
268€2,098.48€437.80€1,660.68€148,441.18
269€2,098.48€432.95€1,665.53€146,775.65
270€2,098.48€428.10€1,670.38€145,105.28
271€2,098.48€423.22€1,675.26€143,430.02
272€2,098.48€418.34€1,680.14€141,749.88
273€2,098.48€413.44€1,685.04€140,064.84
274€2,098.48€408.52€1,689.96€138,374.88
275€2,098.48€403.59€1,694.89€136,679.99
276€2,098.48€398.65€1,699.83€134,980.16
277€2,098.48€393.69€1,704.79€133,275.37
278€2,098.48€388.72€1,709.76€131,565.61
279€2,098.48€383.73€1,714.75€129,850.86
280€2,098.48€378.73€1,719.75€128,131.11
281€2,098.48€373.72€1,724.76€126,406.35
282€2,098.48€368.69€1,729.79€124,676.57
283€2,098.48€363.64€1,734.84€122,941.73
284€2,098.48€358.58€1,739.90€121,201.83
285€2,098.48€353.51€1,744.97€119,456.86
286€2,098.48€348.42€1,750.06€117,706.80
287€2,098.48€343.31€1,755.17€115,951.63
288€2,098.48€338.19€1,760.29€114,191.34
289€2,098.48€333.06€1,765.42€112,425.92
290€2,098.48€327.91€1,770.57€110,655.35
291€2,098.48€322.74€1,775.74€108,879.61
292€2,098.48€317.57€1,780.91€107,098.70
293€2,098.48€312.37€1,786.11€105,312.59
294€2,098.48€307.16€1,791.32€103,521.28
295€2,098.48€301.94€1,796.54€101,724.74
296€2,098.48€296.70€1,801.78€99,922.96
297€2,098.48€291.44€1,807.04€98,115.92
298€2,098.48€286.17€1,812.31€96,303.61
299€2,098.48€280.89€1,817.59€94,486.02
300€2,098.48€275.58€1,822.90€92,663.12
301€2,098.48€270.27€1,828.21€90,834.91
302€2,098.48€264.94€1,833.54€89,001.37
303€2,098.48€259.59€1,838.89€87,162.48
304€2,098.48€254.22€1,844.26€85,318.22
305€2,098.48€248.84€1,849.64€83,468.58
306€2,098.48€243.45€1,855.03€81,613.56
307€2,098.48€238.04€1,860.44€79,753.12
308€2,098.48€232.61€1,865.87€77,887.25
309€2,098.48€227.17€1,871.31€76,015.94
310€2,098.48€221.71€1,876.77€74,139.17
311€2,098.48€216.24€1,882.24€72,256.93
312€2,098.48€210.75€1,887.73€70,369.20
313€2,098.48€205.24€1,893.24€68,475.96
314€2,098.48€199.72€1,898.76€66,577.20
315€2,098.48€194.18€1,904.30€64,672.90
316€2,098.48€188.63€1,909.85€62,763.05
317€2,098.48€183.06€1,915.42€60,847.63
318€2,098.48€177.47€1,921.01€58,926.63
319€2,098.48€171.87€1,926.61€57,000.02
320€2,098.48€166.25€1,932.23€55,067.79
321€2,098.48€160.61€1,937.87€53,129.92
322€2,098.48€154.96€1,943.52€51,186.40
323€2,098.48€149.29€1,949.19€49,237.21
324€2,098.48€143.61€1,954.87€47,282.34
325€2,098.48€137.91€1,960.57€45,321.77
326€2,098.48€132.19€1,966.29€43,355.48
327€2,098.48€126.45€1,972.03€41,383.45
328€2,098.48€120.70€1,977.78€39,405.67
329€2,098.48€114.93€1,983.55€37,422.12
330€2,098.48€109.15€1,989.33€35,432.80
331€2,098.48€103.35€1,995.13€33,437.67
332€2,098.48€97.53€2,000.95€31,436.72
333€2,098.48€91.69€2,006.79€29,429.93
334€2,098.48€85.84€2,012.64€27,417.29
335€2,098.48€79.97€2,018.51€25,398.78
336€2,098.48€74.08€2,024.40€23,374.38
337€2,098.48€68.18€2,030.30€21,344.08
338€2,098.48€62.25€2,036.23€19,307.85
339€2,098.48€56.31€2,042.17€17,265.68
340€2,098.48€50.36€2,048.12€15,217.56
341€2,098.48€44.38€2,054.10€13,163.46
342€2,098.48€38.39€2,060.09€11,103.38
343€2,098.48€32.38€2,066.10€9,037.28
344€2,098.48€26.36€2,072.12€6,965.16
345€2,098.48€20.32€2,078.16€4,887.00
346€2,098.48€14.25€2,084.23€2,802.77
347€2,098.48€8.17€2,090.31€712.46
348€714.54€2.08€712.46€0.00

German Real Estate Investment Calculator

Calculate IRR, cash flow, and rental yield for German property investments. Includes German-specific costs like Grunderwerbsteuer and Notargebühren.

Features

German Real Estate Investment Guide

Investing in German real estate requires understanding of local regulations, taxes, and market conditions. Our calculator helps you analyze potential investments accurately.