The question of the loan amount arises at the latest when one is faced with the decision to take out a loan. It would be even more correct to formulate the question as follows: How much credit can I afford? Because only after deducting the monthly total expenditure from monthly income, you can see the freely disposable income. For this you need a household bill. The loan amount essentially depends on it. How to calculate the total correctly and what to look out for – that and more in our article.

Credit conditions

Credit conditions

Before you start calculating the loan amount, you should make sure that you are creditworthy and creditworthy. You can borrow in Germany from the age of 18. In addition to being of legal age, you must not be mentally – and in some cases physically – impaired to be considered creditworthy.

Being creditable does not automatically mean being creditworthy, so that – at least with banks as lenders – you have to have other characteristics. A potential borrower counts as creditworthy as soon as he has an unlimited employment and there are no negative credit bureau entries.

Revenue and expenditure account

Revenue and expenditure account

Household bills are not required by every bank, but it is highly recommended. It is very important to be honest with yourself. The more accurate the numbers, the smaller the chances of getting sleepless nights due to the future credit.

Many lenders often offer their own household calculators on your website. These are not always identical, and yet they have one thing in common – the procedure and some categories always remain the same. We have created our own table from these in a simplified form, which could give you a first overview.

In the first step, all income should be added up. One counts the income of partners. Christmas bonuses and holiday bonuses are not taken into account.

Expenditures include regular expenses such as rent or insurance, as well as the cost of living (education, vacation, food, etc.). It is advisable to consider a buffer between 10 and 20 percent, whether due to possible cost increases or unexpected events, such as repairs. This means that the freely disposable income, which results from income expenditure, is reduced again by 10-20%. The resulting amount will then correspond to the monthly loan installment that the potential borrower can afford.

As mentioned above, our table is a simplified variant. With various credit providers, or here at, you can often find much more extensive tables, which separate various costs more precisely, and consider such items as animal husbandry, newspapers or building society savings separately.


In summary, it can be said that regular income and the result of the budget statement are decisive for lending. Our table gives an estimate of how high future monthly loan installments could be. The data is important for a loan calculator, which then calculates the total amount of a loan. Of course, these are all approximate numbers, the exact numbers are calculated by the respective loan provider.