Calculators

See what a home costs each month, how much you can borrow, and the cash you need up front. Change the rate and watch the monthly cost move.

Monthly and running costs

Monthly cost What the home costs per month: interest, amortisation and running costs, stress-tested. Running costs, house Add heating, power, water, insurance and upkeep into one monthly figure. Wrong running costs in the listing Work out the yearly deviation and how compensation has been calculated in practice. House maintenance cost Component by component: remaining lifespan and what to set aside each month.

Budget and borrowing power

Down payment How much cash you need, from the mortgage cap plus purchase costs. How much can I borrow The price you can reach, from your cash and household income. Can we afford it? Debt ratio, share of net income and a stress test: three figures that show your margin. Rent or buy Compare the rent with the cost of owning, counting amortisation as saving. The new mortgage rules Before and after 1 April 2026: down payment and amortisation for your numbers.

Bidding and purchase costs

Stamp duty Stamp duty, title deed and mortgage deeds: the state fees at purchase. What does the bid cost? See what each step over the asking price does to the monthly cost.

The housing association

Is the BRF healthy? Work out the association's debt per m² and whether it's low, normal or high. Your share of the association's debt Your indirect loan in kronor and what a rate rise does to your monthly fee.

The loan over time

Loan-to-value Work out your loan-to-value and the amortisation it triggers. Amortisation over time See how amortisation and value growth build your equity year by year. Amortise or invest Three paths for the monthly surplus: the loan, an ISK account or half each.

When you sell

What you keep when you sell Net proceeds after the loan, the fee and the gains tax, with the deferral option.