Tool · Financing
KfW Repayment Calculator
Calculate the monthly installment and the interest costs of your start-up loan, including a repayment-free start-up period. That way you can see what burden is coming your way.
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KfW repayment calculator
Simplified annuity calculation for guidance, not a binding commitment on terms. Actual KfW interest rates depend on creditworthiness, program, and house bank (risk-based interest system). As of June 2026.
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Frequently Asked Questions About Repayment
How is the monthly installment of a KfW loan calculated?
Generally as an annuity loan: after a repayment-free start-up period in which only interest accrues, you pay a constant monthly installment of interest and principal over the remaining term.
What does the repayment-free start-up period mean?
In the first months (with StartGeld, for example, one year) you pay only interest, no repayment yet. This eases your liquidity in the start-up phase but slightly raises the later installment.
Are the interest rates calculated here binding?
No. The calculator uses a freely selectable example rate. KfW sets the actual terms through your house bank under the risk-based interest system.