Your mortgage.
Clear. Confident. Free.
Calculate amortization schedules, compare scenarios and plan your wealth – professional tools, completely free.
Get a clear overview of your mortgage financing. Plan confidently with transparent calculations following banking standards – free, right in your browser.
No account required · No credit card
Everything you need
Professional tools you'd normally only get from a bank advisor.
Loan Calculator
Annuity, bullet, variable – with special payments, fixed-rate periods and follow-up financing.
Wealth Portfolio
Real estate, depots, crypto and liabilities in one view. With tax analysis.
Scenario Comparison
Compare different financing options side by side and find the best strategy.
Export & Documentation
Export amortization schedules as PDF, Excel or CSV. Professionally formatted, ready to use.
How it works
Three simple steps to your personalized amortization schedule for your mortgage financing.
Configure your loan
Enter loan amount, interest rate, and repayment rate. Choose between annuity, bullet, or variable-rate loans. Plan special payments and fixed-rate periods – all free and without registration.
Analyze your schedule
Get an instant, detailed amortization schedule with monthly or yearly overview. See clearly how remaining debt, interest, and principal portions develop over the entire term of your mortgage.
Export or save
Export your amortization schedule as PDF, Excel, or CSV – professionally formatted for bank meetings or your records. With a free account, you can securely save and compare scenarios anytime.
Professional tools, easy to use
Experience the calculator in action – no sign-up, no waiting.
Built for trust
Your data stays private
Calculations run entirely in your browser. No account needed.
No third parties
No ads, no tracking, no data sharing.
Your data, your export
PDF, Excel, CSV – all locally exportable.
Transparent & reliable
Professional calculations following banking standards.
Immobilio in numbers
What our users say
Thousands of users trust Immobilio for their financing decisions
“Finally a loan calculator that truly covers every scenario. The special payment planning helped me save over €15,000 in interest.”
“I use Immobilio daily in client meetings. The scenario comparison makes it easy to show different financing options side by side.”
“As a beginner, I was overwhelmed by mortgage financing. Immobilio helped me truly understand my monthly payment and total costs.”
“Finally a loan calculator that truly covers every scenario. The special payment planning helped me save over €15,000 in interest.”
“I use Immobilio daily in client meetings. The scenario comparison makes it easy to show different financing options side by side.”
“As a beginner, I was overwhelmed by mortgage financing. Immobilio helped me truly understand my monthly payment and total costs.”
“The PDF and Excel export is worth its weight in gold. My clients get a professional amortization schedule they can take to the bank.”
“With the portfolio overview, I finally have all my financing at a glance. Remaining debt, fixed-rate period, monthly payments – everything in one place.”
“The calculations are accurate to the cent. I verified them against our internal tools – Immobilio delivers reliable results.”
“The PDF and Excel export is worth its weight in gold. My clients get a professional amortization schedule they can take to the bank.”
“With the portfolio overview, I finally have all my financing at a glance. Remaining debt, fixed-rate period, monthly payments – everything in one place.”
“The calculations are accurate to the cent. I verified them against our internal tools – Immobilio delivers reliable results.”
Frequently asked questions
What is an annuity loan?
An annuity loan is the most common form of mortgage financing. The monthly payment (annuity) remains constant throughout the fixed-rate period and consists of interest and principal portions. Over time, the interest portion decreases while the principal portion increases. Immobilio calculates this development transparently and clearly shows you how your loan behaves over its entire term.
How does the loan calculator work?
Our free loan calculator computes your complete amortization schedule based on your inputs: loan amount, interest rate, repayment rate, and term. The calculation runs entirely in your browser – secure, fast, and without any data sharing. You can configure special payments, fixed-rate periods, and follow-up financing to explore different scenarios for your mortgage.
Is my data secure?
Yes, your data is safe with Immobilio. All calculations run locally in your browser – no financial data is transmitted to any server. There is no advertising, no tracking, and no data sharing with third parties. If you create an account, your saved scenarios are stored encrypted on servers in Germany.
What does Immobilio cost?
Immobilio is completely free – no restrictions, no hidden costs, no advertising. You can use the loan calculator, wealth portfolio, and all export features without registration. An optional free account allows you to save and compare financing scenarios.
Can I compare different financing scenarios?
Yes, with the scenario comparison feature you can place multiple financing options side by side. Compare different interest rates, repayment rates, or special payment strategies and find the optimal mortgage for your situation. This gives you a clear overview of all your options.
What export formats are available?
You can export your amortization schedule as PDF, Excel (XLSX), or CSV. All exports are professionally formatted and include a summary as well as the detailed monthly or yearly breakdown. Ideal for bank appointments, tax advisors, or your personal records.