Overdraft Calculator
Calculate the costs of your overdraft facility. See how expensive overdrawing your account is.
Overdraft Cost (30 Days)
20,55 €
Cost per Day
0,68 €
Annualized
250,00 €
Comparison with installment loan (6% p.a.)
An installment loan is almost always cheaper than an overdraft for longer periods.
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 expensive is an overdraft (Dispo)?
Overdraft interest rates in Germany typically range from 7-14% per year -- significantly higher than installment loans. Some banks also charge additional fees for exceeding the agreed overdraft limit.
How can I avoid overdraft charges?
Convert persistent overdrafts to a cheaper installment loan, set up a buffer in a call money account, use spending alerts from your bank, and review regular debits for unnecessary subscriptions.
What is the Overdraft Calculator?
The overdraft calculator computes the cost of overdrawing your current account. Overdraft interest is among the most expensive forms of credit.
How does the Overdraft Calculator work?
Enter the overdraft amount, duration and your bank's overdraft rate. The calculator determines the interest incurred. A comparison with an instalment loan shows whether restructuring would be worthwhile.
Key Data and Facts
Average overdraft rate 2025: approx. 11-13%. Tolerated overdraft beyond the limit: often 5-7 percentage points more. Check an instalment loan as a cheaper alternative.
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