How this calculator works
This browser-based tool helps you make a first, transparent estimate from the values you provide. Enter the figures in the fields and the result updates as you edit them. JavaScript performs the calculation on your device; the calculator does not send your salary, property, vehicle or account details to a calculation server. Keep supporting documents secure and only enter sensitive figures on a device you trust.
Formula, assumptions and limits
Estimate German property transfer tax, notary and broker costs by federal state. German real-property transfer tax is governed by the GrEStG, including sections 8 to 11; each federal state sets its rate.
Do not rely on a rounded estimate for a tax return, payment or legal decision. Compare it with official notices, current rate tables and professional advice where needed. Real-world outcomes may include additional reliefs, fees, rate changes or personal circumstances that a simple calculator cannot represent. Your entries are not saved and are discarded when you close the tab.
Use the output as a planning aid: verify each input, read the assumptions and adjust the figures when your circumstances differ. If an important detail is uncertain, contact the relevant authority or a qualified tax, legal or financial professional.
Before acting, check your inputs, tax year and jurisdiction. Note the assumptions used, compare the result with records and official guidance, and recalculate when rules or your circumstances change.
Plan purchase costs by German federal state
Buying a home in Germany usually involves costs in addition to the agreed price. The main items are real-property transfer tax, notary and land-register charges, and any estate-agent commission. This estimate applies the selected state transfer-tax rate, uses an approximate two per cent allowance for notary and registration costs, and applies the commission percentage you enter. The combined figure is a starting point for working out how much cash you may need beyond the purchase price. Actual notary charges follow the Court and Notary Costs Act and depend on the transaction value, so the percentage is only a planning approximation.
Commission is not uniform: it can be negotiated, divided between buyer and seller, or governed by the particular agreement. Transfer tax can also depend on the legal structure of a purchase. Fixtures, family transfers, multiple buyers and some company transactions may need separate advice. The estimate leaves out mortgage arrangement charges, land-charge registration, valuation, moving, renovation and a maintenance reserve. Ask the notary, agent and lender for itemised written figures and payment dates. When comparing mortgage offers, include the cash needed for all acquisition costs and keep a reserve for repairs; a low monthly payment alone does not show whether a purchase is affordable.
Frequently asked questions
Are my inputs stored?
No. Calculations run locally in your browser and the values are not sent to our server.
Is the result official advice?
No. It is an estimate based on the assumptions shown. Check current official guidance or consult a qualified professional for decisions.
How is the estimate calculated?
The browser applies the formula and assumptions explained on this page to the values you enter.