Calculator · Family & generations
How much do you need for your property?
Track your savings plan towards home ownership with Investboard.
Start free. Pro from EUR 11.99/mo.
Buyers with similar profiles often contribute 20-30 % of the purchase price plus the full ancillary purchase costs.
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 %).
A 100 % mortgage (Vollfinanzierung) is possible but more expensive. The ancillary costs usually have to be paid from your own funds.
Calculate Kapitalertragsteuer (capital gains tax), Solidaritätszuschlag (solidarity surcharge), and Kirchensteuer (church tax) on your capital earnings.
Calculate now →What remains of your dividend after Abgeltungsteuer, solidarity surcharge, and church tax?
Calculate now →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 →Which ETF type gives you more wealth after German taxes? Long-term comparison with Vorabpauschale, partial exemption, and saver's allowance.
Calculate now →Distribute your saver's allowance across banks and brokers without leaving allowance unused.
Calculate now →Calculate your wealth after 10, 20, or 30 years, optionally with German tax deduction (Vorabpauschale).
Calculate now →How much financial cushion do you need?
Calculate now →Calculate tax-free allowances and tax liability
Calculate now →What will your child's savings plan grow to?
Calculate now →When will you reach financial independence?
Calculate now →What's missing for your retirement?
Calculate now →How long will your assets last?
Calculate now →Plan for at least 20–30 % equity (Eigenkapital) plus the full ancillary purchase costs paid from your own funds.
Inputs
Equity ratio
Standard — empfohlen von den meisten Banken
Return on savings p.a.
Your home-equity goal
Total required capital
EUR 112.245,00EUR 70.000,00 equity + EUR 42.245,00 closing costs
Estimate at a 5.5% annual rate (3.5% interest + 2% repayment) on the loan amount. Indicative; individual terms may differ.
You need EUR 112.245,00 for your home equity. With Investboard you track your progress automatically, with a forecast, milestone markers and daily updates.
Your calculation result is carried over automatically as a goal target.