About HausKlaar
HausKlaar helps you understand buying a home and building wealth in Germany – with free calculators and guides in plain language, in English and German.
What HausKlaar does
Before you talk to a bank, you should know what a home really costs. HausKlaar answers the questions that come up along the way: what comes on top of the price? What monthly payment can I afford? Is buying better than renting? What does a savings plan bring after tax?
The calculators know the German rules – the property transfer tax of all 16 states, notary and land registry fees, the tax on investment income – and start from the current average mortgage rates of the Deutsche Bundesbank. Guides and news explain what is behind the figures.
What makes HausKlaar different
-
Results straight away, no contact details
Many finance portals only show results once you give your name, email or phone number. HausKlaar shows the result while you type.
-
Plain language, not jargon
Every technical term is explained where it appears. The glossary explains 42 German terms from bank offers, contracts and tax notices.
-
Built for Germany
Taxes, fees and subsidies under German rules, as of 2026, for each of the 16 federal states.
-
In English and German
For everyone buying or saving in Germany – including those whose first language isn't German.
Your data stays with you
- What you enter is only used for the calculation and is not stored.
- Scenarios you save are kept in your browser, not on our server.
- We set no tracking cookies – which is why there is no cookie banner. We count visits without cookies and without user profiles.
- You only get the newsletter after confirming your sign-up by email.
All the details are in the privacy policy.
As accurate as we can be
Financial decisions deserve correct figures. That's why:
- We work from official sources: the Deutsche Bundesbank, the Federal Statistical Office, laws and official fee schedules.
- We check tax rules and fees regularly – the rules for 2026 last on 1 Oct 2026. Guides say when they were last updated.
- Every calculator shows how it calculates and which assumptions it makes.
- Still, the results are estimates, not financial, tax or legal advice. Check important decisions with your bank or a tax adviser.
Found a mistake? Write to us at contact@hausklaar.de – we'll correct it as quickly as we can.