Overdraft Calculator
Calculate the costs of your overdraft facility. See how expensive overdrawing your account is. Free with amortization schedule, interest comparison, examples.
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 2026: approx. 11-13%. Tolerated overdraft beyond the limit: often 5-7 percentage points more. Check an instalment loan as a cheaper alternative.
Step-by-Step Guide
Schritt 1: Geben Sie den Betrag ein, um den Sie Ihr Konto überziehen (z.B. 2.000 EUR). Schritt 2: Tragen Sie den Dispozins Ihrer Bank ein (z.B. 12,5 %). Schritt 3: Geben Sie die Dauer der Überziehung in Tagen ein (z.B. 30 days). Der Rechner calculates die Zinskosten nach der Formel: Betrag × interest rate × days / 365. Zusätzlich wird ein Vergleich mit einem Ratenkredit (z.B. 6,9 % eff. Jahreszins) angezeigt. Beispiel: 2.000 EUR Dispo für 30 days zu 12,5 % costs ca. 20,55 EUR interest. Bei Dauernutzung über 12 Monate wären es ca. 250 EUR — ein Ratenkredit würde nur ca. 138 EUR costs.
Calculation Example
Bei 2.000 EUR Überziehung, 12,5 % Dispozins und 30 Tagen: 2.000 × 0,125 × 30/365 = 20,55 EUR Zinskosten. Ein Ratenkredit (6,9 %) für den gleichen Betrag und Zeitraum: 11,34 EUR.
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