Woonbudget Clear insight into your mortgage

Start with a realistic scenario.

Enter your mortgage amount and instantly see a first scenario for net monthly payments, tax relief and rate risk.

€

Adjust rate and term afterwards.

  • Net monthly payments
  • Tax relief
  • Rate risk

Note: This tool is intended as an indication only. Always consult a mortgage advisor for personal advice.

Woonbudget Mortgage Calculator

1

What do you pay per month?

Your monthly payments including tax benefits, based on your current fixed rate period

Gross per month
€1,002.57
first month
→
Net per month
€721.78
after tax benefit
Tip
Estimate

Enter your details for a more accurate tax benefit estimate

This estimate is currently based on the average annual income in the Netherlands and the mortgage amount as property value.

2

Can I afford this?

Based on NIBUD housing cost standards

Maximum mortgage
€253,691
based on income: €60,000
Left per month
€2,557
22.0% van netto inkomen naar woning
€ +43,691
€ 253,691
INFO
Calculation

How is your maximum mortgage calculated?

The maximum mortgage is based on the NIBUD housing cost standards. The percentage of your income you can spend on housing depends on your income, mortgage interest rate, and the home's energy label. Banks use these standards to determine how much you can borrow.

3

What if rates change?

After your fixed-rate period, rates can rise or fall.

Base scenario
Higher payment
Lower payment
Tip
Loan parts

Add loan parts with different terms and interest rates

Splitting your mortgage into multiple loan parts lets you spread fixed-rate periods and interest rates. That gives you a clearer picture of how sensitive your monthly payments are to rate changes.

4

What does it cost in total?

Principal plus interest, minus your tax benefit. After 30 years you've paid off 100% of your home.

Net total
€304,101
Gross total €360,926
5

What can extra repayments save you?

Add a monthly or one-time repayment to see your interest savings, how much sooner your mortgage is paid off, and whether you go over your annual penalty-free allowance.

Tip
Extra repayments

Add a monthly or one-time repayment

Even a small extra repayment can save you thousands of euros in interest and significantly shorten your term. Once you add one, you can also compare it directly with investing.

6

How are your monthly payments built up?

You pay interest and principal. The mix changes over time.

Interest
Tax benefit
Principal
7

What do you build?

Your equity grows through repayment and home value growth.

Home value
Equity
Paid off

Questions or comments? contact [at] woonbudget [dot] nl