Calculate everything
for your first home2026
Get instant insight into your maximum mortgage, monthly costs and all the expenses involved in buying your first home. Built for first-time buyers who want financial clarity fast.
EXAMPLE RESULT
Home price: €400.000
Home price
€ 0Income €42.000 gross / yr
Gross per month
€ 03.5% · 30 yr · annuity
Net per month
€ 0After mortgage interest deduction
Indicative · NHG 2026 norms
Where are you right now?
Pick your situation and go straight to the right tool.
I'm exploring
Find out what you can borrow and what it costs per month.
Calculate your maximumI found a house
Calculate all one-off costs on top of the purchase price.
Calculate buyers costsI want to know the running costs
Calculate the yearly municipal charges: property tax, sewer and waste fees.
Calculate municipal costsMortgage Calculators
During my own home buying journey, I couldn't find a clear overview anywhere, so I started this website. I hope this site helps first-time buyers gain insights more quickly and easily. Calculate your maximum mortgage, monthly payments, and understand the additional costs - all in one place.
Mortgage Calculator
Protection against residual debt
Monthly Payment
€ 1.719gross per month
- Net per month
- € 1.307
* This is an indicative calculation. For personal advice and exact calculations, we recommend contacting a mortgage advisor.
Related Tools & Resources
Maximum Mortgage Calculator
Income Applicant 1
Income Applicant 2
Debts
Property
Maximum mortgage
€ 235.000
Based on your current income and debt information.
Estimated monthly payment
€ 1.122per month
Based on an annuity mortgage with 4% interest and 30-year term.
Summary
Financial Overview
Important Ratios
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Rent vs. Buy Comparison
This comparison helps you make an informed decision between renting and buying.
Mortgage Settings
This calculator assumes a 30-year annuity mortgage. You can adjust these settings below.
I pay sewer and waste fees as a renter
Include estimated maintenance costs (1% per year)
Include tax benefits
Monthly Homeowners Association fees
Include OZB, sewer tax, and waste fees
Rental Costs
Base rent:
€ 1.200
Total rental costs:
€ 1.200
per month
Buying Costs
Gross mortgage:
€ 1.910
Principal repayment:
- € 576
Net mortgage costs:
€ 1.334
Tax benefit:
- € 164
Maintenance costs:
+ € 333
Municipal taxes:
+ € 72
Net monthly costs:
€ 1.575
Monthly Difference
+€ 375
Buying is more expensive than renting
Building Equity
First year repayment:
€ 6.912
Total Mortgage Costs
Total interest:
€ 287.600
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More calculators
Every tool has its own page with full explanation.
Useful Dutch Resources
The Dutch Buying Process
Understand all steps of buying a house in the Netherlands, from orientation to key handover.
Important Information
The calculations are indicative and may differ from your actual possibilities.
- Every personal situation is unique
- Different conditions per lender
- Laws and regulations may change
Our recommendation: Use HouseGuide as an initial orientation and then consult with a certified mortgage advisor for personalized advice. HouseGuide calculators are used by thousands of buyers in Amsterdam, Utrecht, Rotterdam, and across the Netherlands to make informed decisions.