Choose your property investment path

PrismPlan is a free German property investment calculator. Compare Buy to Live, Rent + Invest, and Rent + Rental on the same listing inputs: Kaufnebenkosten, mortgage, AfA, Spekulationssteuer assumptions, cash flow, and net equity. Kostenloser Immobilienrechner für Deutschland.

Open the property calculator · Scenario Compare · Personal loan calculator · Methodology

Three Scenarios, same listing

Buy to Live

You buy and live in the property. Wealth grows as home equity; compare housing cost to a comparable rent when that field is filled.

Rent + Invest

You keep renting and invest the down payment plus yearly savings in a portfolio.

Rent + Rental

You let this property. Wealth is rental equity plus optional Side savings versus living rent, or Pure investment mode with that comparison turned off.

What to look at first

Start with net equity at your horizon, then year-1 cash flow. In Scenario Compare, the winner is the Scenario with the highest net equity at that horizon.

Frequently asked questions

Should I buy a flat in Germany or keep renting and invest?

There is no single answer. PrismPlan compares the three Scenarios on your inputs so you can see which builds more net equity under your assumptions — not a bank offer.

Does PrismPlan include German AfA and Spekulationssteuer?

Yes for common planning cases. See the Methodology page for includes and limits.

Is PrismPlan free?

Yes. The calculator runs in the browser. You can export reports without a paid account.