Work out locally the closing costs of a property from price, transfer tax, notary and agent fee - plus the total cash you need. No upload.
No. Everything runs in your browser - your file never leaves your device. How this is verifiable
When you buy a property, a substantial chunk of ancillary costs is added to the purchase price; it has to be paid from your own funds and usually cannot be financed along with the loan. The three big items in Germany are the real estate transfer tax (3.5 to 6.5 percent depending on the state), the notary and land registry fees (around 1.5 percent together) and - if an agent is involved - the agent commission (often about 3.57 percent including VAT for the buyer side). This calculator adds them to the price and shows the total cash you need.
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. Each item is stored as a percentage of the price so the calculator fits every state and every situation: enter your state's transfer tax, adjust notary and agent (to zero, say, if you buy without an agent). The costs-as-percentage figure shows how much extra falls on top of the price - realistically around 10 percent in Germany. Change an input and everything updates instantly.
An honest note: the rates are guide values and differ by state, notary tariff and agent agreement; what counts are your concrete offers and the notarised contract. Financing costs, possible renovation needs or moving costs are not included. The transfer tax and the notary costs almost always apply, the agent commission only if an agent is involved. Amounts in euros as an example - the maths applies to any currency. Not tax or legal advice.
| Input formats | Form inputs (no file) |
|---|---|
| Processing | Locally in your browser (JavaScript) |
| File upload | None |
Limitations: The rates are guide values and differ by state, notary tariff and agent agreement - what counts are your offers and the contract. Without financing, renovation or moving costs. Agent commission only if an agent is involved. Amounts in euros as an example - the maths applies to any currency. Not tax or legal advice.
No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.
It is set by each German state and ranges from 3.5 percent (Bavaria) to 6.5 percent (e.g. North Rhine-Westphalia, Brandenburg). Use the rate of your state.
Banks usually require the closing costs to come from your own funds. Financing them as well is the exception and more expensive. Plan for them as equity.
No, only if an agent is involved. When buying without an agent set the rate to zero. Since 2020 the commission in Germany is usually split between buyer and seller.