Important to know:
The calculations are indicative and may differ from your actual possibilities. For personal advice and exact calculations, we recommend contacting a mortgage advisor.
Sales Scenario Calculator
Buyer's Costs Settings
Is this your first property purchase?
Are you under 35 years old?
Deposit or Bank Guarantee
Include Costs
Total Buyer's Costs
€ 13.500
Transfer Tax: € 8.000
Notary Costs: € 1.500
Mortgage Advice: € 2.500
Valuation Report: € 600
Building Inspection: € 500
Bank Guarantee: € 400
Selling Costs Settings
Use a real estate agent to sell your property
Professional styling to make your home more attractive to buyers
Total Selling Costs
€ 7.024
Selling Agent: € 6.624
Notary Costs: € 200
Energy Label: € 200
Expected Results
€ 95.497Net equity (nominal)
- Expected selling price
- € 441.632
- Remaining mortgage
- € 325.611
- Buyer's costs
- € 13.500
- Selling costs
- € 7.024
Net equity (real value)
€ 86.494
Adjusted for 2% annual inflation over 5 years
Home value vs. mortgage
The shaded band is the likely value range (falling → rising). The gap down to the green line is your equity.
Your equity over time
Home value minus remaining mortgage. The band shows the range between a falling and a rising market.
This is gross equity (home value − remaining mortgage), before purchase and selling costs. The net amount after costs and adjusted for 2% inflation is shown in the result above. A negative value means the sale wouldn't cover the mortgage (underwater).
Did it help you out?
Built with love in my spare time. ☕ Two coffees keep this website online for a whole month. Thank you ❤️
About this calculation
Projects the home value at the chosen growth rate, minus the remaining debt per the amortization schedule and selling costs (agent commission, notary, energy label). Optionally adjusted for inflation.
Sources: CBS – prijsontwikkeling koopwoningen
Last checked: July 2026 · Read how we calculate →