Important Disclaimer
Immowiser is a deterministic calculation tool for German property decisions (rental / buy-to-let and simplified owner-occupier orientation). It is not tax, legal, financial or investment advice. All results are estimates based on your inputs and the rules applied at calculation time. Owner-occupier mode uses simplifications — not individual tax advice. Laws and programmes (AfA, KfW, transfer tax, energy rules) change often. User-maintained municipal/funding entries (including payout timing and 'apply to model') are assumption inputs and may differ from actual approvals and program terms. Built-in plausibility/conflict checks are technical aids, not legal eligibility determinations. You are responsible for your decisions. Verify with a qualified Steuerberater and/or legal advisor before acting. No liability for financial loss, tax outcomes, or decisions made using this tool.