Use this calculator as a planning tool, not as financial advice.
Last updated: March 28, 2026.
In these Terms, “site” means this website and any content, calculator, or services we provide through it. “We”, “us”, and “our” refer to the operator identified in the Impressum. “You” and “user” mean any person who accesses or uses the site, whether on their own behalf or on behalf of another person or organization.
This site is intended for individuals who are at least 18 years old and who may lawfully use online services under the laws that apply to them. By using this site, you confirm that you meet these requirements.
This calculator provides general estimates for planning and educational purposes only. It does not take your full personal situation into account and does not replace advice from a qualified professional.
Nothing on this site is financial, tax, legal, or other professional advice. You should consult your bank, lender, tax advisor, or another qualified professional before making decisions based on the results.
Results depend on the information you enter and on simplified assumptions (for example, about interest or fees). Real products, lender terms, fees, taxes, and rate changes can lead to different outcomes.
You are responsible for checking important figures and assumptions, and for deciding how to use any information from this site. Always verify key numbers and plans with your lender or another qualified professional before you act.
You agree to use this site only for lawful purposes and in a way that does not damage, disable, or interfere with the site or other users. You must not try to bypass security features or misuse the services.
This site is provided on an “as available” basis. We may change, update, suspend, or remove the site or any feature at any time without notice.
We do not promise that the site will be available at all times, free from errors, or compatible with every device or browser.
This site may link to or integrate services provided by third parties, such as analytics, fonts, or advertising providers. Those services are operated under their own terms and privacy policies, which may change over time.
We do not control and are not responsible for third-party content, availability, or practices. Your use of those services is at your own risk and subject to the terms and policies of the relevant provider.
To the extent permitted by applicable law, the site and the calculator are provided “as is” and “as available”, without any express or implied warranties. This includes, for example, implied warranties of accuracy, fitness for a particular purpose, or non-infringement, unless such warranties cannot be excluded under the laws that apply to you.
We are liable without limitation for claims based on damage caused by us, our legal representatives, or vicarious agents in the event of injury to life, body, or health, and in the event of intentional or grossly negligent breaches of duty. Any mandatory statutory liability, for example under product liability laws, remains unaffected.
Otherwise, and to the extent permitted by applicable law, we exclude liability for indirect, consequential, or special loss, and for loss of profits, data, or business opportunities arising from your use of or reliance on this site or the calculator. Our liability for any other loss in connection with the site is limited to the amount you have paid us to use the site in the 12 months before the event giving rise to the claim (if any).
These Terms and any dispute arising out of or in connection with them are governed by the laws of Germany, without regard to its conflict-of-law rules, to the extent permitted by mandatory consumer protection laws in your country of residence.
We may update these Terms from time to time, for example when we add new features or when laws change. The date at the top of this page shows the latest update. If you continue to use the site after changes take effect, you agree to the updated Terms.
Additional legal information, including our contact details and mandatory disclosures, can be found in the Impressum.