What is an annuity loan?

An annuity loan is the most common form of mortgage financing. The monthly payment 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.

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.

Yes, 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.

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.

Can I compare different financing scenarios?

Yes, with the scenario comparison feature you can place multiple financing options side by side and find the optimal mortgage for your situation.

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.

Privacy Policy

1. Privacy at a Glance

General Information

The following information provides a simple overview of what happens to your personal data when you visit this website. Personal data is any data that can be used to personally identify you. Detailed information on the subject of data protection can be found in our privacy policy below.

2. Responsible Party

The responsible party for data processing on this website is:

Philipp Krapp
Hauptstr. 26
51465 Bergisch Gladbach
Email: support@philippkrapp.de

The responsible party is the natural or legal person who alone or jointly with others decides on the purposes and means of processing personal data (e.g., names, email addresses, etc.).

3. Hosting & Infrastructure

This website is hosted by external service providers. The personal data collected on this website is stored on these providers' servers.

We use the following providers:

All-Inkl (Neue Medien Münnich, DE) – Domain management and DNS
Hetzner Online GmbH (DE) – Server hosting
Active Servers (DE) – Server hosting
Google Cloud Platform (Google Ireland Ltd., EU region) – Cloud services

All servers are located in Germany or the EU. No transfer of personal data to third countries takes place as part of the hosting.

Databases

We operate our databases (MongoDB, PostgreSQL, Redis) ourselves on servers in Germany/EU. No database data is shared with third-party providers.

The use of these services is based on Art. 6 para. 1 lit. f GDPR (legitimate interest in secure and efficient provision of services).

4. Cookies and Local Storage

This website does not use cookies for tracking or advertising purposes. Only technically necessary mechanisms are used:

Local Storage

We use your browser's LocalStorage to save your preferred settings (e.g., theme/color scheme, language settings). This data is stored exclusively locally on your device and is not transmitted to our servers.

Session Data

When using the optional login function, a session token is stored to identify you as a logged-in user. This token is automatically deleted upon logout or after the session expires.

5. Cookie Consent Banner

This website uses a cookie consent banner (vanilla-cookieconsent) that is displayed on your first visit. Your cookie preferences are stored in a cookie.

The following cookie categories are distinguished:

Necessary – Technically required cookies (e.g., session, theme setting) that cannot be disabled.
Analytics – Cookies for anonymized analysis of website usage. Only set with your consent.
Marketing – Cookies for measuring the effectiveness of campaigns. Only set with your consent.

You can change your settings at any time via the "Cookie Settings" link in the footer of this website.

6. Analytics & Monitoring

We use the following services for analysis and monitoring:

Umami (self-hosted, DE/EU) – Privacy-friendly web analytics without personal cookies. No personal data is collected. Legal basis: Art. 6 para. 1 lit. f GDPR (legitimate interest).
OpenObserve/OpenTelemetry (self-hosted, DE/EU) – Performance monitoring and error tracking. Only technical metrics are collected, no personal data. Legal basis: Art. 6 para. 1 lit. f GDPR.

7. Email Delivery

For sending transactional emails (e.g., registration confirmation, password reset) we use our own SMTP server. Emails are sent from the address noreply@immobilio.de.

Email delivery is handled via an SMTP service operated in Germany/EU. No transfer of personal data to third countries takes place. Legal basis: Art. 6 para. 1 lit. b GDPR (contract fulfillment).

8. Registration and Login

You can optionally create a user account on this website. The following data is processed:

Email and Password: When registering with email, your password is stored encrypted (hashed). We do not have access to your plain-text password.
Third-Party Login (GitHub, Google): When you sign in via GitHub or Google, we receive your name, email address, and profile picture from these services. We store this data to identify your account. The privacy policies of the respective providers also apply.

Purpose of Data Processing: Registration enables saving scenarios and personal settings. The legal basis is Art. 6 para. 1 lit. b GDPR (contract fulfillment).

9. Calculations

All calculations (amortization schedules, wealth portfolios) are performed entirely in your browser. No financial data is transmitted to our servers unless you explicitly save a scenario to your user account.

10. Your Rights

You have the following rights at any time within the framework of applicable legal provisions:

Information about your stored personal data (Art. 15 GDPR)
Rectification of inaccurate data (Art. 16 GDPR)
Erasure of your data (Art. 17 GDPR)
Restriction of processing (Art. 18 GDPR)
Data portability (Art. 20 GDPR)
Objection to processing (Art. 21 GDPR)

You also have the right to lodge a complaint with a data protection supervisory authority about the processing of your personal data.

11. Legal Basis

The processing of personal data is based on the following legal grounds:

Consent (Art. 6 para. 1 lit. a GDPR) – insofar as you have given us consent.
Contract fulfillment (Art. 6 para. 1 lit. b GDPR) – insofar as processing is necessary for the fulfillment of a contract (e.g., user account).
Legitimate interest (Art. 6 para. 1 lit. f GDPR) – insofar as processing is necessary to safeguard our legitimate interests (e.g., hosting, security).

12. Revocation of Consent

Insofar as the processing of your personal data is based on consent, you have the right to revoke this consent at any time. The revocation does not affect the lawfulness of the processing carried out on the basis of the consent until the revocation.

You can revoke your consent as follows:

Cookie consent: Via the "Cookie Settings" link in the website footer.
General: By email to support@philippkrapp.de.

13. Changes

We reserve the right to amend this privacy policy to ensure it always complies with current legal requirements or to implement changes to our services in the privacy policy. The new privacy policy will then apply to your next visit.

Last updated: April 2026