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Mortgage and retirement

Will your mortgage be
paid off by retirement?

Remaining debt, interest and instalment are all it takes: you see the month your loan is repaid, how much would still be open when your pension starts and what the instalment does to your month in retirement.

  • No account needed
  • Your figures are not stored
  • No product sales, no advice
Step 1 of 5

How much do you have each month today, after tax?

Salary, pension or whatever comes in regularly. A round figure is enough.

Rough figures are enough: everything here is a non-binding estimate.

How it works

Your result in three steps

  1. 1 Enter your figures Income now and later, assets, loan and spending. Your pension comes from your pension statement.
  2. 2 See your result Gap, how long your savings last and remaining debt, plus your overall picture over the coming years.
  3. 3 Try variations A different retirement date, another instalment, less spending: change a figure, calculate again, compare.
And then?

With OWNAMIC you work with real figures

Spending from your household book Instead of an estimate, OWNAMIC works with what you actually spend.
Contracts and deadlines in view Which subscriptions and contracts you could cancel by when, and a reminder before every deadline.
Everything in one place Accounts, loan, property, collection and receipts: whatever you record once, every further tool can use.

You can also …

Pension gap calculator Your monthly gap from the start of your pension, with your own figures. How long will my money last? The month in which your savings would run out.
An independent product from Germany, with no financial sales behind it.
Hosted in Germany, your data encrypted.
After the trial from 3.49 € a month.

Frequently asked questions

Where do I find remaining debt, interest and instalment?

In your loan agreement and the latest statement of your loan account. The remaining debt is usually stated as of the end of the year, interest and instalment in the agreement.

Does the calculator account for the end of the fixed-rate period?

No. It uses the interest rate and instalment you enter until the loan is repaid. What happens after the fixed-rate period depends on your follow-up financing. Calculate again with a different rate and compare both results.

Does OWNAMIC tell me whether I can afford the loan?

No. OWNAMIC shows what your own figures add up to and does not judge them. For an assessment of your financing, your bank or independent advice is the right place.

A description, not advice. The calculator works only with your own figures, without inflation, returns or taxes. It does not calculate pension entitlements and does not replace pension, financial or lending advice.

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OWNAMIC as an app

Add OWNAMIC to your Home Screen

iPhone and iPad have no install dialog – Apple leaves it to Safari's share menu. Three taps and OWNAMIC opens like any other app: full screen, with its own icon.

  1. Tap the share icon in Safari's bottom bar.
  2. Scroll down the list and choose “Add to Home Screen”.
  3. Confirm with “Add” – OWNAMIC is now on your Home Screen.

Only Safari can put a web app on the iOS Home Screen. If you are reading this in another browser, open ownamic.com in Safari first.