Hypomeister: Mortgage Tracker

Hypomeister is a German mortgage tracker built for your Annuitätendarlehen: payoff plan, extra payments, and refinancing prep in one place, instead of scattered spreadsheets and PDFs. FEATURES • Payoff plan: track remaining debt, interest, and principal for every month of your fixed-rate period (Zinsbindung), with a full amortization schedule. • Sondertilgung simulator: model extra repayments and see instantly how they change your remaining debt, payoff date, and total interest. • Refinancing planner (Anschlussfinanzierung): keep an eye on your fixed-rate end date and plan the target interest rate for your next offer. • Market rate tracking: follow current ECB base rate, Bundesbank, and Interhyp mortgage rate data to judge whether a refinancing offer is actually competitive. • Goal tracking: set a goal to pay off earlier, build equity faster, or minimize interest, and follow your progress toward it with milestones. • Portfolio view: manage more than one mortgage or property and see them side by side. • Smart reminders: get notified when your fixed-rate period is ending, when a new Sondertilgung window opens for the year, or when market rates move. • Built specifically for German mortgage terms, calculated the way German banks calculate them. HOW IT WORKS 1. Add your mortgage: enter your loan amount, interest rate, and start date, or build a new payoff plan from scratch. 2. Track your progress: mark payments as made and watch your remaining debt, equity, and payoff date update automatically. 3. Plan ahead: simulate an extra payment or a refinancing offer before you commit, and set a goal to stay on track. BENEFITS • Stay organized. Replace scattered spreadsheets and bank PDFs with one repayment plan you can check anytime, on any device. • Save on interest. See the real effect of an extra payment before you make it, in euros, not guesswork. • Plan ahead. Know your Zinsbindung end date and what rate you need for a good refinancing deal, with reminders so you never miss the window. • Make decisions with real numbers. Every calculation follows the way German banks actually compute annuity loans, so the plan you see is the plan you can act on. WHO IT'S FOR Homeowners in Germany repaying an Annuitätendarlehen who want a clear payoff plan, a mortgage calculator for extra payments, and a simple way to prepare for refinancing, without building their own spreadsheet. Also useful if you are comparing a Sondertilgung now against waiting, or weighing a Forward-Darlehen before your fixed-rate period ends. GET STARTED FREE Manage your first loan for free, with the full payoff plan, amortization schedule, and Sondertilgung simulator included. Hypomeister Plus unlocks multiple loans, deeper analytics, and additional goal types. YOUR DATA, YOUR CONTROL Your financial data is hosted in the EU (Frankfurt). Lock the app with Face ID, fingerprint, or a PIN. Export or delete your data anytime from the app. No ads. Hypomeister does not replace financial or legal advice. All calculations are simulations based on your own inputs, intended to help you plan and stay informed.