Home Loan Repayment Calculator — Germany
Work out your repayments, what the loan costs in total, and how much an extra repayment saves you. Figures below assume 3.8% over 30 years. Free, and no sign-up.
Common Germany loan amounts
| Loan amount | Monthly repayment | Total interest |
|---|---|---|
| 200.000 € | 932 € | 135.489 € |
| 300.000 € | 1.398 € | 203.234 € |
| 350.000 € | 1.631 € | 237.106 € |
| 400.000 € | 1.864 € | 270.979 € |
| 500.000 € | 2.330 € | 338.723 € |
| 650.000 € | 3.029 € | 440.340 € |
Frequently asked questions
How are Germany home loan repayments calculated?
Repayments use the standard amortisation formula: the balance accrues interest at the periodic rate, and a level repayment covers that interest plus a slice of principal. Early payments are mostly interest; later ones are mostly principal.
Does paying extra actually help?
Yes, substantially. Extra repayments come straight off the principal, so they reduce every future interest charge. On a long loan even a small regular amount can cut years off the term.
Is this calculator free?
Yes. It is free, requires no account, and nothing you enter is saved or sent anywhere — the calculation runs entirely in your browser.
Work out your own numbers
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Estimate only. Assumes a fixed rate and no fees; lenders accrue interest daily and may charge account or discharge fees. Not financial advice.