Mortgage calculator: what will the home cost each month?

Since 1 April 2026 a mortgage may be at most 90 percent of the home's value (bolånetaket), so the down payment must be at least 10 percent of the price. On a home for 3 million kronor that is 300,000 kronor.

If the loan is more than 70 percent of the home's value you amortize at least 2 percent of the original loan a year. Between 50 and 70 percent, 1 percent is enough, and below 50 percent there is no requirement. The stricter requirement for loans above 4.5 times the income was removed on 1 April 2026.

You may deduct 30 percent of the interest from your tax on up to 100,000 kronor of interest per person and year, and 21 percent on anything above that. Two borrowers each have their own limit. The deduction usually comes back as a tax refund or a lower preliminary tax.

For an apartment (bostadsrätt) mainly the monthly fee to the association, electricity and home insurance. For a house, heating, electricity, water and sewage, waste collection, insurance, the property fee and saving for maintenance. The property fee is 0.75 percent of the assessed value but at most 10,425 kronor a year in 2026.

Not really. Amortization pays down the loan, so the money becomes your own equity in the home. That is why the calculator shows both what you pay each month and what living there costs without the amortization.

Count on a higher rate than today's as well. Rates change, and the banks use a much higher rate than today's when they check whether you can afford a loan. Under the result you see what the monthly cost becomes if the rate rises.