Wie viel Haus kann ich mir mit meinem Einkommen leisten?

Als grobe Faustformel gilt: Ihre monatliche Kreditrate sollte rund 35 Prozent Ihres Haushaltsnettos nicht überschreiten. Aus dieser Rate ergibt sich – zusammen mit dem Zins und einer Anfangstilgung von 2 Prozent – die mögliche Kreditsumme. Rechnen Sie Ihr Eigenkapital hinzu und ziehen Sie 15 bis 20 Prozent Baunebenkosten ab, bleibt der Betrag, der real fürs Haus zur Verfügung steht. Bei 3.500 € Netto und 40.000 € Eigenkapital sind das etwa 220.000 bis 260.000 € Hausbudget. Der Budgetrechner auf dieser Seite zeigt Ihre persönliche Spanne.

Welche Faustformel steckt hinter dem Budgetrechner?

Der Rechner setzt die maximal tragbare Rate bei 35 Prozent des Haushaltsnettos an und zieht Ihre monatlichen Fixkosten ab. Diese Rate multipliziert er mit zwölf und teilt sie durch die Summe aus Sollzins und 2 Prozent Anfangstilgung – so entsteht die mögliche Kreditsumme. Plus Eigenkapital ergibt sich das Gesamtbudget, von dem 15 bis 20 Prozent für Baunebenkosten abgehen. Diese Rechnung ist bewusst vereinfacht und ersetzt keine Finanzierungsberatung.

Warum werden 35 Prozent des Nettoeinkommens angesetzt?

Die 35-Prozent-Marke ist eine verbreitete Orientierung, damit neben der Kreditrate genug für Lebenshaltung, Instandhaltung, Rücklagen und unvorhergesehene Ausgaben bleibt. Manche Banken rechnen etwas großzügiger, andere konservativer. Wer Kinder, ein Auto oder andere Kredite finanziert, sollte die Grenze eher niedriger ansetzen. Der Rechner erlaubt es Ihnen deshalb, Fixkosten separat abzuziehen.

Welche Rolle spielt das Eigenkapital?

Eigenkapital senkt die benötigte Kreditsumme und verbessert oft die Konditionen. Als Richtwert sollten die Baunebenkosten – also 15 bis 20 Prozent der Gesamtsumme – möglichst aus Eigenkapital gedeckt sein, damit die Bank nur den reinen Hausbau finanziert. Je mehr Eigenkapital Sie einbringen, desto größer wird das Budget, das real fürs Haus zur Verfügung steht.

Warum muss ich 15 bis 20 Prozent Nebenkosten abziehen?

Zum reinen Hauspreis kommen Kaufnebenkosten und Baunebenkosten hinzu: Grunderwerbsteuer, Notar und Grundbuch, Baugenehmigung, Vermessung, Erschließung, Bodenplatte oder Keller, Außenanlagen und Baustrom. In Summe erreichen diese Posten typischerweise 15 bis 20 Prozent. Deshalb zeigt der Rechner nicht das Gesamtbudget als Hauspreis, sondern die realistisch fürs Haus verfügbare Spanne.

Ersetzt der Rechner eine Finanzierungsberatung?

Nein. Der Budgetrechner liefert eine erste, vereinfachte Orientierung auf Basis einer Faustformel. Die tatsächlich mögliche Finanzierung hängt von Ihrer Bonität, der gewünschten Laufzeit, der Zinsbindung, Förderungen und Ihrer persönlichen Lebenssituation ab. Für verbindliche Zahlen sprechen Sie mit einem unabhängigen Finanzierungsberater und nutzen Sie ergänzend den Baufinanzierungsrechner (Stand 2026).

How much house can I afford? Calculator 2026

How much house can I afford? Calculate budget in minutes

Before comparing houses, you should know your budget. With our budget calculator you can determine in a few seconds from household net income, equity and interest how much house is realistic for you – including ancillary costs deduction and an honest rule of thumb to check.

Infografik: Wie viel Haus kann ich mir leisten – in vier Schritten vom Netto zur Hausbausumme — In four steps from household net income to realistic house construction sum.

How much house can I afford?

Short answer: As a rough guide your credit rate should not exceed around 35 % of the household net income. At 3.500 € net this is about 1.225 € rate, from which at 4 % interest and 2 % repayment a loan of around 245.000 € results. With 40.000 € equity and after deduction of 15–20 % ancillary costs a realistic house budget of about 220.000 to 260.000 € remains. Calculate your personal range below in the budget calculator.

Many prospective builders look first at houses and then at the budget – the reverse way is more sensible. If you know which monthly rate is affordable, the loan amount and thus the total budget can be derived from it. It is important that the house price does not correspond to the total budget: purchase and construction ancillary costs of typically 15 to 20 percent are deducted beforehand. The calculator takes this calculation off your hands.

Budget calculator: your personal house budget in seconds

Enter your monthly household net income, your equity and your fixed costs and set the interest. The calculator shows live the maximum affordable rate, the possible loan amount, your total budget and – after deduction of the ancillary costs – how much is actually left for the house.

Budget calculator: How much house can you afford?

Household net income per month

€

Sum of all monthly net incomes in the household

Equity

€

Savings that you can contribute

Monthly fixed costs / other loans

€

Existing rates, maintenance, fixed expenses

Interest rate: 4,0 %

3,5 %4,5 %

Initial repayment fixed at 2 % (typical assumption for the rule of thumb).

Maximum affordable monthly rate

1.225 €

35 % of net, less your fixed costs

Maximum loan amount

245.000 €

at 4,0 % interest + 2 % repayment

Total budget incl. equity

285.000 €

Of which available for the house

228.000 € – 242.250 €

after deduction of 15–20 % construction ancillary costs

Suitable houses: prefabricated house up to 250.000 €Calculate more precisely: construction financing calculator

Simplified rule of thumb and non-binding orientation – no financial advice. The affordable loan additionally depends on creditworthiness, term, account management and individual life situation. Binding numbers are only provided by a personal financing discussion (Stand 2026).

Which rule of thumb is behind the budget?

The calculation is deliberately kept simple so that you can retrace it yourself at any time. In six steps you get from the income to the realistic house budget:

Realistically determine household net income: add up all regular net incomes, but no uncertain special payments.
Deduct fixed costs and existing loans – only the rest is available for the house rate.
Determine maximum rate: as orientation around 35 percent of the net less the fixed costs.
Derive loan amount: rate × 12 divided by interest plus 2 percent initial repayment.
Add equity and form the total budget from it.
Deduct 15 to 20 percent construction ancillary costs – only then do you know the real house budget.

An example: 3.500 € net result in 1.225 € affordable rate. At 4 % interest and 2 % repayment (together 6 %) this corresponds to a loan of around 245.000 € (1.225 € × 12 ÷ 0,06). With 40.000 € equity the total budget is about 285.000 €. After deduction of 15 to 20 percent ancillary costs around 228.000 to 242.000 € remain for the house.

Net income and realistic house budget at a glance

The table shows the rule of thumb for common incomes – with maximum rate, loan framework and realistic house budget. The values are based on 4 % interest, 2 % initial repayment and an equity of around 20 % of the total budget.

Reference values according to the 35-% rule of thumb – simplified, no financial advice (Stand 2026).

Household net income/month	Max. rate (35 %)	Loan framework*	Realistic house budget**
2.500 €	875 €	175.000 €	155.000 – 186.000 €
3.000 €	1.050 €	210.000 €	187.000 – 223.000 €
3.500 €	1.225 €	245.000 €	218.000 – 260.000 €
4.000 €	1.400 €	280.000 €	249.000 – 298.000 €
5.000 €	1.750 €	350.000 €	311.000 – 372.000 €

*Loan framework without fixed costs deduction, at 4 % interest and 2 % repayment. **House budget after deduction of 15–20 % construction ancillary costs, including around 20 % equity. For suitable offers per budget the Detailed comparison by income.

What role does the equity play?

Equity is the second major lever next to income. It reduces the required loan amount and often improves the interest rate because the bank bears a lower risk. As a guide: The purchase and construction ancillary costs – i.e. the 15 to 20 percent that are deducted in the calculator – should be covered as fully as possible from equity. This way the bank finances only the pure house construction, and the monthly rate remains lower. Every additionally contributed euro of equity increases the budget that is actually available for the house.

Equity includes not only savings and securities but also existing building plot, building savings balance as well as to a limited extent the so-called muscle mortgage – i.e. own work on the self-finishing. It is important not to invest an emergency reserve in the house: a financial cushion for repairs, job change or unexpected expenses should remain even after house construction.

Why the total budget is not the house price

A common planning error: The calculated total budget is completely planned in as house price. In fact the purchase and construction ancillary costs are first deducted from it. These include the land transfer tax, notary and land register costs, building permit, surveying, development and house connections, base plate or basement, external installations as well as construction electricity and insurances during the construction phase. In total these items typically reach 15 to 20 percent – for smaller construction projects or difficult building plots even more.

Therefore, the calculator does not show the total budget as the house price, but deducts the ancillary costs and shows the range actually available for the house. Calculate the building plot additionally and separately by region - the prices differ significantly depending on the location. A detailed breakdown of your individual costs is provided by the Construction Financing Calculator.

What should the maximum installment be?

The 35-percent limit is an upper limit, not a target. In addition to the credit installment, living expenses, maintenance, reserves and unforeseen must be covered. Families with children or households with further loans should set the limit significantly lower - therefore the calculator deducts your fixed costs separately.

If you have a specific price class in mind, you will find suitable offers under Prefabricated house up to 200.000 € or Prefabricated house up to 250.000 €. A complete overview is provided by the page Prefabricated houses by budget, and you calculate the exact installment in the Construction Financing Calculator.

Tools for builder-owners

Once the budget is clarified, implementation is next. The House construction checklists. A common thread through all construction phases is provided by the free House construction course. Those who want to reduce costs, check the Personal contribution during house construction. Rights, obligations and further assistance are bundled on the page For builder-owners: Rights, obligations & tools.

Find suitable houses for your budget

You now know your realistic house budget - now we find the suitable houses. A few short questions about size, finish level and region are sufficient, and we match them with 140 providers and send you free suitable offers within the budget.

Compare free offers now Calculate the financing

Frequently asked questions: How much house can I afford?

Answers to the 35% rule of thumb, to the role of equity capital and ancillary costs as well as the informative value of the budget calculator.

How much house can I afford with my income?

As a rough rule of thumb: Your monthly credit rate should not exceed around 35 percent of your household net income. From this rate - together with the interest and an initial repayment of 2 percent - the possible loan amount results. Add your equity capital and deduct 15 to 20 percent construction ancillary costs, the amount that is actually available for the house remains. At 3.500 € net and 40.000 € equity capital this is about 220.000 to 260.000 € house budget. The budget calculator on this page shows your personal range.

What rule of thumb is behind the budget calculator?

The calculator sets the maximum sustainable rate at 35 percent of the household net income and deducts your monthly fixed costs. It multiplies this rate by twelve and divides it by the sum of nominal interest and 2 percent initial repayment - this creates the possible loan amount. Plus equity capital the total budget results, from which 15 to 20 percent for construction ancillary costs are deducted. This calculation is deliberately simplified and does not replace financing advice.

Why are 35 percent of net income used?

The 35 percent mark is a common guideline to ensure that in addition to the credit rate enough remains for living expenses, maintenance, reserves and unforeseen expenses. Some banks calculate somewhat more generously, others more conservatively. Those financing children, a car or other loans should set the limit lower. The calculator therefore allows you to deduct fixed costs separately.

What role does the equity capital play?

Equity capital reduces the required loan amount and often improves the conditions. As a guideline, the construction ancillary costs - i.e. 15 to 20 percent of the total sum - should be covered from equity capital if possible, so that the bank only finances the pure house construction. The more equity capital you contribute, the larger the budget that is actually available for the house.

Why do I have to deduct 15 to 20 percent ancillary costs?

In addition to the pure house price, purchase ancillary costs and construction ancillary costs apply: land transfer tax, notary and land register, building permit, surveying, development, floor slab or basement, external facilities and construction power. In total these items typically amount to 15 to 20 percent. Therefore the calculator does not show the total budget as the house price but the realistically available range for the house.

Does the calculator replace a financing consultation?

No. The budget calculator provides an initial, simplified orientation based on a rule of thumb. The actually possible financing depends on your creditworthiness, the desired term, the interest commitment, subsidies and your personal life situation. For binding figures, speak with an independent financing advisor and use the construction financing calculator in addition (Stand 2026).