Building Savings Calculator
Calculate your building savings contract. With savings amount, savings phase, loan interest and repayment. Free with amortization schedule, interest.
Savings phase
Saved balance
16.946,08 €
Deposits
16.800,00 €
Savings ratio
33,9%
| Year | Deposits | Interest | Balance |
|---|---|---|---|
| 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 € |
Loan phase
Loan
33.053,92 €
Monthly installment
200,00 €
Repayment period
15 J. 6 Mon.
<strong>Note:</strong> The savings ratio of 33,9% is below the usual 40-50% required for allocation.
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.
Step-by-Step Guide
How to calculate Ihren Bausparvertrag step by step: 1. Bausparsumme festlegen: Gesamtbetrag aus Sparguthaben und Bauspardarlehen (z. B. 50.000 EUR). 2. Monatliche Sparrate enter: Ueblich 3-5 Promille der Bausparsumme. 3. Sparphase calculate: Zuteilungsreife wird erreicht bei ca. 40-50 % der Bausparsumme. Guthabenzins: aktuell ca. 0,01-0,25 %. 4. Wohnungsbaupreemie pruefen: 10 % auf max. 700 EUR/year (Alleinstehende) bzw. 1.400 EUR (Ehepaare). Einkommensgrenzen: 35.000/70.000 EUR taxable income (zvE). 5. Darlehensphase: Das Darlehen (Differenz zur Bausparsumme) wird mit dem bei Abschluss festgelegten interest getilgt. 6. Gesamtkosten compare: Effektivzins des Bauspardarlehens mit aktuellen Bankdarlehen compare. Beispiel: Bausparsumme 50.000 EUR, Sparrate 200 EUR/month. Anspargrad 40 % = 20.000 EUR. Sparphase: 20.000 / 200 = 100 Monate (ca. 8,3 Jahre). Wohnungsbauproemie: 200 x 12 = 2.400 EUR/year, davon praemienbeguentigt max. 700 EUR. Praemie: 700 x 10 % = 70 EUR/year. Bauspardarlehen: 30.000 EUR zu 1,5 % Darlehenszins. Tilgung bei 6 Promille der Bausparsumme (300 EUR/month): ca. 9 Jahre.
Calculation Example
Bausparsumme 50.000 EUR, Sparrate 200 EUR/month. Sparphase (40 %): ca. 8,3 Jahre. Wohnungsbauproemie: 70 EUR/year. Bauspardarlehen 30.000 EUR, 1,5 % interest, Tilgung 300 EUR/month: ca. 9 Jahre.
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