Skip to content
CentExact
Country

Borrowing

Car Loan Calculator: Germany

Calculate your monthly car payment including sales tax, trade-in and fees, see total interest and cost, or find how much car a monthly budget buys.

Reviewed by CentExactRates effective 1 sourceCalculated in your browser. Shared links include inputs.

Germany: no purchase tax beyond VAT, but an annual bill shaped by the engine

German advertised prices include Mehrwertsteuer at 19%, so there is nothing to add on top and no tax field on this page. Germany also levies no separate CO2-based registration tax of the kind Ireland, the Netherlands and Finland fold into the sticker, which is why a German list price converts into a smaller loan than an Irish one for a comparable car.

The tax that does apply arrives annually. Kfz-Steuer is charged on engine displacement at EUR 2.00 per 100 cm3 for petrol and EUR 9.50 per 100 cm3 for diesel, which is why a diesel with the same list price costs materially more to keep.

For cars first registered from January 2021 a CO2 component is added on top. The first 95 g/km are free, then the rate steps up in bands: EUR 2.00 per g/km to 115, EUR 2.20 to 135, EUR 2.50 to 155, EUR 2.90 to 175, EUR 3.40 to 195 and EUR 4.00 above that.

The electric exemption now runs much longer

If you are comparing an electric car against a combustion one over the life of the loan, the exemption is worth building into the comparison rather than treating as a rounding error.

Battery electric vehicles first registered between May 2011 and the end of 2030 are exempt from Kfz-Steuer for up to ten years, and at the latest until 31 December 2035, after which they pay a reduced rate. That extension took effect on 1 January 2026. Hybrids and range-extenders do not qualify.

What goes in the fields on this page

Kfz-Steuer is a cost of keeping the car, not part of what you borrow, so it does not belong in the fees field. Registration charges do, but only if the dealer is financing them.

One structural point about German car finance: a large share of new cars here are sold on Ballonfinanzierung or three-way financing, where low monthly payments are followed by a single large final payment. This calculator amortises the loan to zero, so if your quote ends in a balloon the monthly figure here will be higher than the one the dealer showed you, and the two are not comparable without adjusting the term.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

German consumer finance conventionsDeutsche RentenversicherungNot yet in effect

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.