5 min · Updated 17/08/2026
How much property can I afford in Germany?
The budget question usually comes first. There is no single formula, but there is a clear order in which to answer it.
Household first, purchase price second
Start with an honest household calculation: what is left each month once all running costs are paid? That number is the basis – not the price of the property you like.
Keep a buffer as well. After moving in, costs appear that were not visible before.
What belongs in the calculation
- Net income of everyone involved
- Fixed costs, insurance, mobility
- Existing loans and leasing contracts
- Reserves for maintenance and running costs
- Savings goals you want to keep
From instalment to loan amount
The sustainable instalment leads to a possible loan amount, with interest rate and initial repayment working together. The calculator on this site gives a first orientation only and is not a financing offer.
If you would like to go through your numbers together, feel free to call. A first conversation is non-binding.