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How much house can I afford?

Maximum purchase price from income and savings

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What to calculate?

€
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€
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Maximum purchase price

€385,123.96

Maximum monthly payment
€1,575.00
Maximum loan
€343,636.36
Total budget
€423,636.36
of which purchase costs
€38,512.40
Loan-to-value
89.2275%
Years until debt-free
28.9

Compare scenarios

Save the current inputs as a scenario, change values, save the next one – and see them all side by side.

Maximum purchase price

€385,123.96

How the how much house can i afford? works

Maximum purchase price from income and down payment: the monthly payment should not exceed 35–40 % of household net income. From that follow the loan, the price after purchase costs, loan-to-value and the time until you are debt-free.

Inputs

  • Household net income per month
  • Share for the monthly payment
  • Down payment
  • Purchase costs
  • Borrowing rate p.a.
  • Initial repayment p.a.

Results

  • Maximum monthly payment
  • Maximum loan
  • Total budget
  • Maximum purchase price
  • of which purchase costs
  • Loan-to-value
  • Years until debt-free
Show formulas
  • Maximum monthly payment: round(einkommen * quote, 2)
  • Maximum loan: round(rate * 12 / (sollzins + tilgung), 2)
  • Total budget: darlehen + eigenkapital
  • Maximum purchase price: round(budget / (1 + nebenkostenQuote), 2)
  • of which purchase costs: round(budget - kaufpreis, 2)
  • Loan-to-value: kaufpreis > 0 ? darlehen / kaufpreis : 0
  • Years until debt-free: darlehen > 0 ? round(nper(sollzins / 12, -rate, darlehen) / 12, 1) : 0

Add your own result fields with “+ Field” – every input is available as a variable.

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