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Sample calculations and sales software for investment property

immonum is software for sales organisations and property developers who sell flats as investment property (buy-to-let). For each client, it calculates what a flat costs or earns them each month, before and after tax. Reservations, the sales process and commission are handled in the same program.

The demo is a shared account with sample data. You do not need an account to use it. immonum itself is in German. Calculations follow German tax law.

Work through a flat yourself

The calculator shows on a small scale what a calculation in immonum looks like. Change the purchase price, equity or interest rate and all values are recalculated immediately. The flat and all starting values are examples. Tax is calculated under German income tax law.

Flat
€
€
m²
€/m²
€/month
€/month
%
%
Depreciation (AfA)
Client
€/year
Tax assessment
Financing

€100,000 from KfW programme 298 (Efficiency House 55) at a nominal interest rate of 2.03% (2.05% effective), fixed for 10 years, simplified with 2% repayment. KfW is Germany's state-owned development bank. Terms as of 29 September 2026, without guarantee.

Assumptions

Your monthly cost in the first full year

Who pays for the property?

    Value development and annual overview

    Property value and outstanding loan

    Property valueOutstanding loan

    Annual overview

    All values in €.

    The calculator is simplified. It uses the 2026 German income tax scale under § 32a EStG (Einkommensteuergesetz, Income Tax Act), without solidarity surcharge and church tax, with one loan plus an optional KfW loan. Rent and costs rise by 2% a year. In the program, immonum also calculates church tax, several loans, special repayments, grants, interest during construction and an income that changes over the years. All results are non-binding model calculations.

    Open the demo

    How immonum calculates the tax effect

    The tax effect is the difference between two tax calculations: once without the flat and once with it. For both, immonum uses the German income tax scale under § 32a EStG and the client's details: taxable income, type of assessment (individual or joint) and church tax. A fixed marginal tax rate is not assumed.

    The calculation with the flat includes the income from letting: rent minus running costs, minus interest, minus depreciation (AfA, Absetzung für Abnutzung, i.e. depreciation for wear and tear). If this income is negative, the tax falls and the client gets money back. If it is positive, the tax rises.

    immonum only uses tax law that has been promulgated. For later years, the most recently adopted tax scale applies, either frozen or projected forward depending on the setting. immonum itself is in German. Calculations follow German tax law.

    A sample calculation does not replace tax advice. immonum shows how assumptions affect the result. The adviser is responsible for the assumptions themselves.

    Taxable income
    +Income from letting
    =with the flat
    Tax without the flat
    −Tax with the flat
    =Tax effect per year

    Values from the calculator above, first full year, 2026 tax scale.

    User namedemo
    Passwordimmonum-demo

    Other people can see what you enter in the demo. Do not enter any real client data there.

    From the flat to the finished sample calculation

    A calculation links a client with a flat. You set the project's defaults once: acquisition costs, depreciation, running costs, increases and financing. Every calculation in the project adopts them.

    Six steps guide you through the calculation: flat, acquisition costs, rent, buyer, financing and results. A tick shows what is complete.

    Try out values
    Test other assumptions with sliders without changing the calculation.
    Target equity
    If the client brings €50,000, immonum adjusts the loans so that exactly this equity requirement results.
    Individual financing per client
    Loans, special repayments, grants and repayment substitutes for this calculation only. The project's defaults remain unchanged.
    New builds with a construction phase
    From the start of construction and the completion date, immonum proposes purchase price instalments under the MaBV (Makler- und Bauträgerverordnung, the German regulation on instalment payments to developers) and calculates interest during construction and commitment fees.
    Compare variants
    Two or three calculations side by side. The best value in each row is marked.
    Freeze a version
    Before handing over, you freeze the version. It stays unchanged, even if the defaults change later.

    The sample calculation as a PDF

    The PDF carries your company's logo, colour and contact details on the cover page and in every page header. You decide which pages appear and in what order. The PDF is in German.

    Client link instead of an email attachment

    With a client link, your client sees their calculation in the browser, in your company's design, without needing an account. They can download the PDF there and ask for a call back. You see when the link was opened and can block it at any time. The link is valid for 7, 30 or 90 days.

    Sales software for property developers and sales organisations

    A project groups the flats of a development together with location, schedule, parking spaces and documents. From there you see for every flat whether it is available, reserved or sold.

    1. Prospect
    2. Calculation created
    3. Reservation
    4. Financing approval
    5. Notary appointment
    6. Sold
    Reservations with a waiting list
    Reserve a flat for a client with a deadline. Further prospects go on the waiting list. When the deadline expires, the next person moves up; otherwise the flat becomes available again. Three days beforehand, the adviser receives a follow-up.
    The sales process on one board
    Each case has its stage: prospect, calculation created, reservation, financing approval, notary appointment, sold. The stages follow the data; you do not have to move anything by hand.
    Clients with history
    Contact details, tax information, search profile and documents in one place. For the search profile, immonum shows matching available flats. Follow-ups appear on the start page and, if you wish, in your calendar.
    Dashboard
    Sales, reservations and calculations per month, the sales status per project and a funnel from prospect to sale.

    Team, permissions and commission

    Administrators create users and release projects to individual advisers or groups, to view or to edit. Advisers see only released projects and their own clients.

    Commission
    Fixed rates, tiers by number of units sold and different rates per adviser. A commission can be split between up to three people. The overview is available as CSV or PDF.
    Data room
    Shared storage for form templates, training material and sales guidelines.
    Your brand
    Your company's logo and colour appear in the PDF, on the client link and, if you wish, in the header bar.

    Switching without retyping

    You import contacts from CSV, Excel or vCard. immonum detects possible duplicates. You upload flats as an Excel file or paste them directly from Excel. immonum imports projects from other software via EXP export files and CSV tables.

    All lists can be exported as CSV. You can pass a project, including its defaults and flats, to a partner as a file.

    CSVContacts, projects
    XLSXContacts, flats
    VCFContacts
    EXPProjects
    CSVExport of all lists
    FileProject for partners
    immonumProjects · flats · clients

    Security and data protection

    immonum is hosted by Host Europe GmbH in Cologne, Germany, under a data processing agreement. The pages do not load any third-party services: no font servers, no analytics tools, no advertising networks.

    Two-factor authentication
    With an authenticator app and recovery codes. Administrators can make it mandatory.
    Roles and permissions
    Administrators see everything, advisers only what has been released to them.
    Company backup to download
    One file with projects, flats, clients, calculations, files, groups and users, without passwords.
    Data access and deletion
    For each client, immonum shows all stored data. You can then delete the client and all their data permanently.

    Two videos about the program

    All figures in the videos are examples. The videos have German audio; English subtitles are switched on by default.

    approx. 1:30 min

    immonum in 90 seconds

    A tour from the project and the flat to the finished sample calculation.

    approx. 3 min

    A tour of immonum

    Where to find each area, from the dashboard to administration.

    Read the full guide · Videos with English transcripts

    €20a month
    What most customers pay.

    Choose your contribution

    You set the monthly fee yourself. Most customers pay €20 a month. A higher fee goes into the further development of immonum; a lower one is also fine.

    The fee applies per company and covers all users in your company. There is no minimum term; you can cancel monthly with effect from the end of the month. Payment is by invoice or SEPA direct debit. Prices are subject to statutory VAT where applicable.

    Our terms and conditions (AGB) apply, together with the data processing agreement (AVV). The English versions are convenience translations; only the German versions are legally binding.

    Frequently asked questions

    Who is immonum for?
    For sales organisations, sales partners and property developers who sell flats as investment property to private clients. immonum is not built for estate agents who broker individual existing properties.
    How does immonum calculate tax?
    With the German income tax scale under § 32a EStG, once without and once with the flat. It is based on the client's taxable income, type of assessment and church tax. More on this under How it calculates.
    I only know the client's gross salary. Is that enough?
    For a first calculation, yes. immonum estimates the taxable income from the gross salary. The figure from the last tax assessment notice is more accurate.
    The client's income will change, for example on retirement. Can immonum handle that?
    Yes. You enter a different income from a given year and an annual development. The tax effect then follows the new income.
    How do I check the land share?
    The land share cannot be depreciated, so its size matters. immonum uses a purchase price allocation to check whether it differs significantly from an estimate based on the asset value method (Sachwertverfahren).
    Do old calculations change if I change the defaults?
    Yes, calculations always use the current data. Frozen versions remain unchanged. The calculation shows whether it still matches the latest version.
    Can I calculate new-build flats with a construction phase?
    Yes. From the start of construction and the completion date, immonum proposes purchase price instalments under the MaBV and calculates interest during construction and commitment fees.
    Can I use immonum on my phone?
    Yes. All pages adapt to small screens. At the top right you switch between the light and dark colour scheme.
    How do I move from my current software to immonum?
    Contacts from CSV, Excel or vCard, flats from Excel, projects from EXP export files and CSV tables. You do not have to retype anything.
    What happens to my data if I stop?
    The company backup downloads all of your company's data as a file; lists are also available as CSV. You can download all data at any time until the end of the term. 30 days after the contract ends, we permanently delete your company's data unless there is a statutory obligation to retain it.
    Is a sample calculation investment advice?
    No. The calculations are non-binding model calculations. They do not replace tax, legal or investment advice.

    Who is behind immonum

    immonum is developed and operated by KIWAX Thomas Wachsmuth in Berlin, Germany.

    KIWAX Thomas Wachsmuth
    Kantstr. 27
    10623 Berlin
    Germany
    info@kiwax.de

    References

    We are happy to provide references from property sales on request.

    Request references

    Request access for your company

    You have seen the demo and would like to work with your own projects? Tell us which company the access is for. The program itself is in German.

    Please fill in this field.

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    Please check the email address. It should look like this: name@company.com

    If you would prefer a call.

    For example, which software you use today.

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