Building Savings Calculator
Calculate your building savings contract. With savings amount, savings phase, loan interest and repayment.
Ansparphase
Angespartes Guthaben
16.946,08 €
Depositen
16.800,00 €
Anspargrad
33,9%
| Jahr | Einzahlungen | Zinsen | Guthaben |
|---|---|---|---|
| 1 | 2.400,00 € | 2,75 € | 2.402,75 € |
| 2 | 4.800,00 € | 11,52 € | 4.811,52 € |
| 3 | 7.200,00 € | 26,31 € | 7.226,31 € |
| 4 | 9.600,00 € | 47,15 € | 9.647,15 € |
| 5 | 12.000,00 € | 74,05 € | 12.074,05 € |
| 6 | 14.400,00 € | 107,02 € | 14.507,02 € |
| 7 | 16.800,00 € | 146,08 € | 16.946,08 € |
Darlehensphase
Darlehen
33.053,92 €
Monthly installment
200,00 €
Repaymentsdauer
15 J. 6 Mon.
<strong>Hinweis:</strong> Der Anspargrad von {formatNumber(ergebnis.anspargrad, 1)}% liegt unter den üblichen 40-50%, die für eine Zuteilung erforderlich sind.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How does a building savings contract (Bausparvertrag) work?
You save a portion of the contract sum (typically 30-50%) during the savings phase. Once allocation-ready, you can take out the building savings loan at a guaranteed interest rate for the remaining amount.
Is a building savings contract still worthwhile?
It can be worthwhile for securing low interest rates for future property purchases, for the housing premium (Wohnungsbauprämie) of up to 70 euros per year, and for employer savings allowances (VWL).
What is the Building Savings Calculator?
The building savings calculator computes the savings phase, interest, housing premium and the conditions of the building savings loan.
How does the Building Savings Calculator work?
Enter the target sum and monthly savings contribution. The calculator shows the duration of the savings phase until allocation readiness (typically 40-50% of the target sum), the savings interest and the loan conditions.
Key Data and Facts
Housing premium: 10% on max. 700 euros/year (single) or 1,400 euros (married). Income limits: 35,000/70,000 euros taxable income. Loan rate fixed at contract signing.
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