Mortgage calculator
Estimate loan size, loan-to-value, monthly interest cost and mandatory amortisation using the purchase price, down payment, rate and household income.
FAQ
How do Swedish amorteringskrav and the 85% loan-to-value cap affect the result?
Regulations cap bolån at 85% belåningsgrad, so the calculator highlights how much kontantinsats (15% down payment) you need and when the mandatory amorteringskrav of 1-2% per year kicks in at 50% and 70% loan-to-value. That makes it easier to see the real impact of amortisation before the bank performs its kvar-att-leva-på check.
Can I estimate break fees or model interest-rate changes?
Yes. Adjust the interest field to simulate the bank’s kalkylränta, a refinancing, or ränteskillnadsersättning (break fee) if you repay early. Comparing total interest between scenarios shows whether fixing or switching lender is worth any penalty.
How do I stress-test the mortgage and kvar-att-leva-på budget?
Raise the rate a few percentage points, shorten the repayment period, or add extra amortisation to mimic the bank’s KALP (kvar-att-leva-på) calculation. The resulting monthly cost tells you how much buffer you have left for living expenses before applying.
How does the mortgage calculator work?
Our mortgage calculator walks you through monthly payments and total costs for your home loan. Enter the loan amount, annual interest rate, and repayment period to see how the pieces fit together over time. The calculator explains interest and amortisation so you can talk about your plans with confidence.
Plan your property purchase
A mortgage is often the largest financial commitment in life. Our calculator lets you explore different scenarios before you speak with banks or advisors. Try different loan amounts, compare interest rates, and see how the repayment period affects your total cost. The guided view makes it easier to discuss options with the people helping you.
Understand interest costs
The interest on your mortgage is a significant part of the total cost. Even small differences in the interest rate can mean hundreds of thousands of kronor over the loan's lifetime. Our calculator highlights how much of your payments go to interest versus amortisation so you can prepare questions for your bank and understand how rate changes affect you.
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