Frequently asked questions

It is free to use. All calculations run in your own browser, and the figures you enter are not sent to us or stored anywhere. The only thing kept on your device is your language choice. If you share a link to a scenario, the figures are in that link.

They are indications. The calculator applies the 2026 rules and assumes they and your income stay the same for the whole term. It does not check how much a lender will let you borrow, which depends on your income and the lender's rules. Use the results to compare options, then ask a licensed mortgage adviser to work out your real figures.

An annuity keeps your payment the same every month. A linear loan starts with higher payments that fall over time, and costs the least interest in total. Interest-only keeps payments lowest but leaves the full loan to repay at the end. For a new loan on your own home, interest-only interest is not deductible, and lenders allow it for at most about half the value.

The starter exemption is assessed for each buyer separately. The buyer under 35 who meets the conditions pays nothing on their share, and the other buyer pays 2% on theirs. For example, on a home of €400,000 owned 50/50, you pay €4,000 instead of €8,000. The €555,000 limit applies to the whole home, so above it neither of you gets the exemption.

In 2026 NHG is available for homes up to €470,000, or €498,200 if the loan includes energy-saving measures. It costs a one-off 0.4% of the loan and usually gets you a lower interest rate.

It depends on the rent, the loan, how long you hold the property and whether you need the income personally. Privately you pay box 3 tax on a deemed return, whatever the rent. In a BV you pay corporate tax on the actual profit, and box 2 tax when you take money out. A BV also brings costs the calculator leaves out, such as a notary to set it up and a yearly accountant. The box 3 rules for property are also set to change in 2027 and 2028. Use the comparison as a starting point for a conversation with a tax adviser.

Yes. The address in your browser changes as you type, so you can bookmark it. The "Copy link to this scenario" button copies a complete link, including your income. Income and savings are left out of the address bar itself, so they do not end up in your browser history.

Please send us a message with the link to your scenario. Rules change every year, and reports help keep the calculator correct.