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The "Rate (%)" strategy (initial repayment) calculates your monthly payment based on a percentage of the loan. The "Fixed Amount" (annuity) lets you set a specific monthly budget. Both are bidirectional: changing one updates the other so you can see the mapping between your budget and the formal repayment rate.

Standard repayment "saves" the money once a loan is finished. The Snowball Strategy instead reinvests that freed-up monthly budget into your remaining active loans as an additional special repayment. This creates a "snowball effect" that drastically reduces total interest and years in debt without increasing your initial monthly burden.

German mortgage contracts usually limit annual "Sondertilgung" (e.g., to 5% or 10% of the initial loan). We added a "Max Spec. Repayment (%)" parameter so you can set your contractual limit. If your plan exceeds this, a warning icon (⚠️) appears to alert you to potential penalties.

It is the period for which your interest rate is legally fixed. In the "Debt Progression" chart, we mark the end of these periods with vertical dashed lines. This helps you identify when you will face "follow-up financing" risks if the loan is not yet fully paid off.

We use a weighted average based on the initial loan amounts. This provides a more accurate "effective" rate for your total financing than a simple average, especially if you have a large bank loan at a higher rate and a smaller KfW loan at a lower rate.

Equity is the cash you bring to the project. It reduces the total financing required. In our summary tiles, we show you the "Total House Cost" which includes both your equity and the total cost (principal + interest) of all your loans.

The chart stacks the costs of all your loans by year. Each bar is split into Interest (reds), Regular Repayment (greens), and Special Repayment (purples). If a bar drops in height in a specific year, it means one of your loans has been fully paid off during that year.