Calculate your maximum mortgage,
monthly payments and housing costs2026
From buyer's costs and transfer tax to NHG and municipal charges. Calculate in one go what a home really costs you per month — whether you're buying your first home or moving on to your next.
YOUR MONTHLY COSTS
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Home price
€ 0Income from € 85.000 gross / yr
Gross per month
€ 03.5% · 30 yr · annuity
Net per month
€ 0After mortgage interest deduction
Indicative · NHG 2026 norms
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Where are you right now?
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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.
About this calculation
Gross monthly payments follow the standard annuity, linear or interest-only formula. Net payments: mortgage interest deduction at the maximum 2026 rate of 37.56%, offset against the eigenwoningforfait (0.35% of the WOZ value, approximated as 90% of the purchase price).
Sources: Belastingdienst – hypotheekrenteaftrek · Rijksoverheid – eigenwoningforfait
Last checked: July 2026 · Read how we calculate →
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.
About this calculation
Based on the 2026 lending standards (Nibud methodology): gross annual income × factor 4.7, reduced for flexible or temporary contracts, minus existing financial obligations. With energy label A or better, extra borrowing capacity applies (up to €40,000 for A++++).
Sources: Nibud – financieringslastnormen · NHG – kostengrens 2026
Last checked: July 2026 · Read how we calculate →
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
About this calculation
Buying costs follow the standard mortgage formulas, with the tax benefit approximated using the box 1 rate. Maintenance is set at 1% of the home value per year; municipal charges use the 2026 rates of 100+ municipalities (COELO).
Sources: Belastingdienst – hypotheekrenteaftrek · Gemeentelijke belastingverordeningen 2026
Last checked: July 2026 · Read how we calculate →
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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.