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Calculators

Calculator · Family & generations

Home Equity Calculator

How much do you need for your property?

Set your equity goal

Track your savings plan towards home ownership with Investboard.

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Start free. Pro from EUR 11.99/mo.

How does the equity (Eigenkapital) calculator work?

Frequently Asked Questions

How much equity (Eigenkapital) do I need?

Buyers with similar profiles often contribute 20-30 % of the purchase price plus the full ancillary purchase costs.

What are the ancillary purchase costs (Kaufnebenkosten)?

Real-estate transfer tax (Grunderwerbsteuer, 3.5-6.5 % depending on the federal state), notary and land-registry fees (about 2 %), and the estate-agent commission (about 3.57 %).

Can I buy without any equity?

A 100 % mortgage (Vollfinanzierung) is possible but more expensive. The ancillary costs usually have to be paid from your own funds.

More Calculators

Capital Gains Tax Calculator (Germany)

Calculate Kapitalertragsteuer (capital gains tax), Solidaritätszuschlag (solidarity surcharge), and Kirchensteuer (church tax) on your capital earnings.

Calculate now →

Net Dividend Calculator (Germany)

What remains of your dividend after Abgeltungsteuer, solidarity surcharge, and church tax?

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Vorabpauschale Calculator 2026 (Advance Lump Sum Tax)

Calculate the advance lump sum tax on your ETFs and funds, for tax year 2025 (due January 2026) and 2026 (due January 2027).

Calculate now →

Accumulating vs. Distributing Fund Calculator

Which ETF type gives you more wealth after German taxes? Long-term comparison with Vorabpauschale, partial exemption, and saver's allowance.

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Freistellungsauftrag Optimizer (Tax Exemption Order)

Distribute your saver's allowance across banks and brokers without leaving allowance unused.

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ETF Savings Plan Calculator (Germany)

Calculate your wealth after 10, 20, or 30 years, optionally with German tax deduction (Vorabpauschale).

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Emergency Fund Calculator

How much financial cushion do you need?

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Gift Tax Calculator

Calculate tax-free allowances and tax liability

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Junior Depot Calculator

What will your child's savings plan grow to?

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FIRE Calculator

When will you reach financial independence?

Calculate now →

Pension Gap Calculator

What's missing for your retirement?

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Withdrawal Plan Calculator

How long will your assets last?

Calculate now →
Gut zu wissen

Plan for at least 20–30 % equity (Eigenkapital) plus the full ancillary purchase costs paid from your own funds.

How much equity do I need?

What are the ancillary purchase costs?

Eingaben

EUR

Eigenkapitalquote

Standard — empfohlen von den meisten Banken

EUR
EUR

Rendite auf Spareinlagen p.a.

Ihr Eigenkapital-Ziel

18% EK
EigenkapitalNebenkostenKredit

Benötigtes Kapital gesamt

EUR 112.245,00

EUR 70.000,00 EK + EUR 42.245,00 Nebenkosten

Fortschritt27%
Eigenkapital (20%)EUR 70.000,00
GrunderwerbsteuerEUR 22.750,00
Notar & GrundbuchEUR 7.000,00
MaklerEUR 12.495,00
Fehlender BetragEUR 82.245,00
Zeitraum bis Ziel114 Monate
Zielerreichung ca.Januar 2036
Geschätzte KreditrateEUR 1.283,33 / Monat

Schätzung bei 5,5% Jahreszins (3,5% Zins + 2% Tilgung) auf den Kreditbetrag. Indikativ, individuelle Konditionen können abweichen.

Dieses Ziel verfolgen

Sie brauchen EUR 112.245,00 für Ihren Eigenkapital. Mit Investboard tracken Sie Ihren Fortschritt automatisch, mit Prognose, Meilenstein-Feiern und täglichen Updates.

Ihr Berechnungsergebnis wird automatisch als Zielvorgabe übernommen.

Kostenlos starten →Demo ansehen
EUR 112.245,00

Netto

Portfolio berechnen →