Your portfolio,
bank-ready.
There are plenty of calculators. Mein Zinshaus starts after the purchase: rents, loans, depreciation and your financial statement in one place – turned into paperwork your bank can work with.
- Hosted in Germany
- GDPR-compliant
- Export your data as JSON at any time
- No vendor lock-in
- Total assets
- €1,284,500
- Liabilities
- €612,300
- Free income / month
- €3,140
- Additional capacity
- + €480,000
Moderate profile · calculated to bank convention
From listing to tax return
Everything that happens between the purchase and the next bank meeting – without you maintaining a spreadsheet.
Portfolio overview
Total value, remaining debt, equity ratio, cash flow and average yield across all properties.
Eight yield metrics
Gross and net rental yield, return on equity, cash-on-cash, price-to-rent multiple, property yield and more – automatically.
Bank preparation
Financial statement, household budget and checklists for new financing, refinancing, debt restructuring and modernisation.
Ten-year projection
Interest-rate stress test, rent growth and scenarios – you see what happens when the fixed-rate period ends.
Depreciation under German law
Straight-line AfA at 2%, 2.5% and 3%, listed-building AfA, special AfA, and individual schedules based on a remaining-useful-life appraisal.
Loans & repayment
Several loans per property: annuity, interest-only, KfW (state development bank), building-society – including overpayments.
Tax simulation
Progressive calculation under §32a EStG (German income tax act) including church tax. You see what a property nets you.
Rent & operating costs
Units, rent history, vacancy, WEG service charges (condominium association), eight cost categories and the annual statement.
Documents & exports
Drag-and-drop storage per property. Listing, portfolio and bank pack as PDF, repayment schedule as CSV.
Browser extension for Chrome
Pull listings from ImmobilienScout24, Immowelt, Kleinanzeigen and Immonet in one click – price, floor area, address and photos land in your portfolio as 'Planned'.
The meeting you
came here for
Banks always ask the same things. Mein Zinshaus keeps the answers ready and presents them in the form that has been expected there for decades.
- 01
Financial statement
Assets, liabilities and income – with a three-year average for the self-employed.
- 02
Over 40 documents as a checklist
Preconfigured by occasion. Upload, tick off, status visible at any time.
- 03
Household budget
Three risk profiles using standard bank allowances. Result: your remaining capacity.
- 04
A PDF that looks like a bank's
Property listing, portfolio overview, cash-flow analysis – typeset, not dumped.
Built for people who
need the paperwork
Not for letting agents, not for brokers. For you, when you invest yourself.
Private investors
One property or ten. You want to know what actually remains – and to decide faster on the next purchase.
Self-employed
Fluctuating income is a problem for banks. The three-year average turns it into a number that counts.
Asset-holding companies
Cleanly separated properties, clean paperwork. What your tax adviser would otherwise reconstruct from your spreadsheet.
What state is Mein Zinshaus in?
A closed beta. The application runs in production with real portfolios, and every feature described here is built and usable. At the same time, details are still changing and some areas are being reworked.
Is this a yield calculator?
Mein Zinshaus calculates the metrics too: eight yield ratios, depreciation and a tax simulation. But its core is everything after the notary appointment – rents, loans, documents, your financial statement and the paperwork for your bank. Good calculator apps exist for a quick first check of a listing; this is about managing what you own.
How do I get access?
Through the form on this page. Registration currently requires an invitation code; we open it in rounds so we can actually process the feedback. You will get an email as soon as access is ready for you.
What will Mein Zinshaus cost?
That has not been decided. During the beta there is no cost to you. Once a pricing model exists, beta users will hear about it beforehand – and nobody is moved into a paid subscription automatically.
Which yield metrics are calculated?
Gross rental yield, net rental yield, price-to-rent multiple, return on equity, cash-on-cash return, property yield, cash-flow yield and the equity multiple – automatically, as soon as purchase price, transaction costs and rent are on file.
Which depreciation methods do you support?
Straight-line AfA (German tax depreciation) at 2%, 2.5% and 3%, listed-building AfA, special AfA, and individual schedules based on a remaining-useful-life appraisal.
What happens to my data?
It sits on servers in Germany and is not passed to third parties. You can export your entire portfolio as JSON at any time – including when you want to leave. Details are in the privacy policy, which is available in German only.
Does this replace my tax adviser?
No. Mein Zinshaus calculates and documents so that your tax adviser and your bank receive properly prepared figures. The tax simulation under §32a EStG is an orientation, not a tax return.
Not open yet.
But already usable.
We open registration in rounds so we can genuinely work through the feedback. Leave your email and we will get in touch as soon as access is ready for you.
- State
- The app runs in production and is actively developed. Not a prototype, but not finished either.
- Access
- Registration is currently by invitation only. If you sign up, you get access when we open the next round.
- Cost
- Nothing during the beta. A pricing model has not been settled – nobody is moved into a subscription unasked.
Join the list
One email address, nothing else.
We use your address solely to send you access. More in the privacy policy.
The next bank meeting
is coming.
Sign up for the beta. We will get in touch
as soon as access is ready for you.