Rental Deposit Calculator
Calculate the rental deposit and potential interest income. Maximum three months' net cold rent. Free with amortization schedule, interest comparison, examples.
Maximum Deposit (3 months base rent)
2.400,00 €
Installment Payment (§ 551 para. 2 BGB)
Interest Earnings (5 J.)
185,48 €
Final Value incl. Interest
2.585,48 €
Interest / Month (avg.)
3,09 €
Note: The landlord must invest the deposit separately in a deposit account (§ 551 para. 3 BGB).
The interest belongs to the tenant and increases the deposit amount.
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 high can the rental deposit be?
By law, the rental deposit cannot exceed three months of net cold rent (Kaltmiete). Utilities and heating costs are not included. The landlord must invest the deposit in a separate account.
When must the deposit be returned?
The landlord must return the deposit within a reasonable period after the tenancy ends, typically 3-6 months. They may retain a portion for outstanding claims or utility bill settlements.
What is the Rental Deposit Calculator?
The rental deposit calculator computes the maximum deposit amount and the interest income if the deposit is invested in a savings account.
How does the Rental Deposit Calculator work?
Enter the monthly cold rent. The calculator determines the maximum deposit (3 months cold rent) and shows investment options: savings account, deposit passbook or deposit insurance. Interest income and costs are compared.
Key Data and Facts
Maximum deposit: 3 months net cold rent (Section 551 BGB). Payment in 3 monthly instalments permitted. Landlord must invest the deposit separately and with interest.
Step-by-Step Guide
How to calculate die Mietkaution step by step: 1. Monatliche Kaltmiete enter: Die Nettokaltmiete ohne Nebenkosten gemaess Mietvertrag. 2. Maximale Kaution calculate: 3 x Monatskaltmiete (Paragraph 551 BGB). Eine hoehere Kaution ist unzulaessig. 3. Zahlungsweise pruefen: Die Kaution kann in 3 gleichen Monatsraten gezahlt werden. Erste rate bei Mietbeginn faellig. 4. Anlageform choose: Kautionssparbuch (sicher, niedrige interest), Mietkautionsversicherung (jaehrliche Praemie, kein Kapital gebunden) oder Kautionsdepot. 5. Zinsertraege schaetzen: Bei Sparkonto ca. 0,5-1,5 % p. a. interest stehen dem Mieter zu. 6. Rueckzahlung: Der Vermieter hat nach Mietende eine angemessene Prueffrist (ca. 3-6 Monate). Beispiel: Kaltmiete 750 EUR/month. Maximale Kaution: 3 x 750 = 2.250 EUR. Ratenzahlung: 3 x 750 EUR (month 1-3). Kautionssparbuch bei 1,0 % interest, 5 Jahre Mietdauer: 2.250 x 1,01^5 = 2.364 EUR. Zinsertrag: 114 EUR (steht dem Mieter zu). Mietkautionsversicherung: ca. 4,5 % Jahrespraemie = 101,25 EUR/year. Ueber 5 Jahre: 506,25 EUR. Vorteil: 2.250 EUR bleiben als Liquiditaet verfuegbar.
Calculation Example
Kaltmiete 750 EUR. Max. Kaution: 2.250 EUR. Sparbuch (1,0 %, 5 Jahre): Zinsertrag 114 EUR. Kautionsversicherung: 101,25 EUR/year = 506,25 EUR ueber 5 Jahre, aber keine Kapitalbindung.
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