€
/ month
Enter net salary after tax and deductions.
€
Deducted first
How AffordEMI works out what you can afford in Germany
Two numbers drive everything on this page: the payment formula lenders use, and the share of your income they will let that payment take. For Germany the conservative ceiling is 40% of net monthly income across all your obligations, and a stretched approval reaches 50%. The default rate is 5.6% a year on vehicle finance and 6.9% on two-wheelers, which are market averages rather than an offer to you.
The formula
EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the amount financed after your down payment, r is the annual rate divided by twelve, and n is the term in months. Reducing balance, monthly rest, no balloon and no final lump sum — every instalment shown clears the debt in full by the end of the term.
Why 40% and not more
Your existing commitments come out first, so what remains is genuinely available rather than theoretical. The dashed mark on the meter sits at 20% of income, which is where most planners put the vehicle on its own, because fuel, insurance, servicing and parking are never inside the instalment. The gap between that dashed mark and the 40% line is the difference between what a lender will approve and what leaves you room to live.
Questions people ask about car finance in Germany
Is this a classic Autokredit or a Ballonfinanzierung?
A classic annuity loan. Every instalment shown fully repays the balance, so nothing is owed at the end. Dealer three-way financing and balloon structures show a lower monthly figure for the same car by deferring a large final payment. If you are comparing against a dealer quote, check whether a Schlussrate is hiding in it before you conclude this calculator is expensive.
What does a bank check besides income?
Your Schufa score, employment status and probation period, and your existing commitments. A clean Schufa and a permanent contract past probation move the rate more than shopping around does. The rate here is a market average — if you have a Finanzierungszusage, enter your actual rate instead.
Does the price include VAT?
Yes, every price here includes 19% MwSt, which is how new cars are listed to private buyers in Germany. Zulassung and the annual Kfz-Steuer sit outside the finance payment. Private-party purchases from another individual carry no VAT, which is one reason the used market prices differently.
Is an EV cheaper to finance here?
The purchase price is usually higher and the running cost lower, so the finance instalment and the total cost of ownership point in opposite directions. Filter to electric only and compare the instalment against the petrol equivalent, then weigh your annual mileage and whether you can charge at home — without home charging, most of the running-cost advantage evaporates.
Where the prices come from
List price including 19% MwSt for popular variants on sale now, curated by hand rather than scraped live. Zulassung and the annual Kfz-Steuer sit outside the finance instalment. Prices move constantly — treat every figure here as a starting point and confirm with the dealer before you commit to anything.
What this page never does
- No account, no login and no email address to run a calculation.
- Your salary is never sent to a server. The maths runs entirely in your browser.
- Sharing a result encodes your inputs into the link, so you choose who sees them.
- No lending, broking or advice. See the disclosure for how this site is funded.