Most mortgage calculators are built by banks or brokers, so they show you what gets you approved, not what's actually safe. KaufKompass is independent: closing costs by German state, a real bank-style affordability check, a full amortization schedule, and the number most buyers never see coming — your remaining debt when the fixed-rate period ends. 100% client-side, nothing uploaded, no bank ever sees your numbers.
I built KaufKompass after noticing that most mortgage/affordability calculators are made by banks or brokers, so they're optimized to show you what gets approved, not what's actually safe for your budget.