Cash needed to buy
Add property details to estimate down payment, tax, costs, and remaining cash.
Opening calculator
Preparing the planning calculator.
Loading the private, stateless calculation flow.
Opening calculator
Loading the private, stateless calculation flow.
Use this English-language Dutch mortgage calculator to answer an important first question: how much mortgage could I borrow in the Netherlands? It provides a statutory 2026 planning estimate—not mortgage advice, a lender offer, or approval.
Add property details to estimate down payment, tax, costs, and remaining cash.
2026 standard limit €470,000; €498,200 when qualifying energy measures apply.
Salaried income, owner-occupied Dutch home, 30-year annuity, and standard deductible interest. Specialist cases stop without an estimate.
nl-trhk-2026-q3
Valid through 31 December 2026. Calculations stop after that date until review.
2026 Dutch mortgage calculator
Start with income and debts to estimate your maximum mortgage in the Netherlands. Add mortgage and property details when you have a home in mind to see the value cap, recurring apartment costs, NHG context and cash needed to buy.
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Amsterdam apartment planning
An income-only result is useful at the start of a search. For a specific Amsterdam apartment, add the offered mortgage rate, purchase price, valuation, energy label, monthly VvE contribution and annual erfpacht. These details show why two similarly priced apartments can produce different borrowing and monthly-cost pictures.
See what determines a maximum mortgage in the NetherlandsScope of the estimate
The calculator supports one or two salaried applicants buying an owner-occupied Dutch home with income in euros. It stops instead of estimating self-employed income, foreign-currency income, pension or AOW cases, bridge finance, interest-only structures and lender-specific exceptions.
Read how the 30% ruling relates to a Dutch mortgageCommon questions
There is no fixed salary multiple. Your qualifying income, partner income, interest rate, monthly obligations, statutory allowances and the appraised property value all affect the result. This calculator gives a 2026 planning estimate; a lender makes the final assessment.
Yes. The normal monthly DUO obligation uses part of the permitted financing load before the remaining amount is converted into a mortgage. Enter the normal statutory payment rather than a temporary pause or voluntary reduction.
Some energy labels provide additional statutory borrowing room in 2026. The appraised value and lender acceptance still apply, and energy-improvement finance must be used for qualifying measures.
Yes. The optional property section adds the details that often matter for an Amsterdam apartment, including the energy label, appraised value, VvE contribution and erfpacht. VvE remains visible as a recurring cost; erfpacht also affects the statutory financing load.
No. The ruling changes payroll-tax treatment; it is not another 30% of mortgage income. Use documented gross qualifying salary and have a lender or adviser confirm how the ruling and its expiry are treated.
Plain-English buying guides
Understand how Dutch annual salary, variable income, DUO and other loans, erfpacht, VvE costs, interest, energy label, and property value affect a 2026 mortgage estimate.
Read guideUnderstand how the Dutch 30% ruling relates to mortgage income, which 2026 salary thresholds apply, what salary to enter, and what a lender still needs to assess.
Read guideA plain-English guide to Nationale Hypotheek Garantie (NHG), including the €470,000 limit, €498,200 energy-measures limit, 0.4% fee, protection, and eligibility in 2026.
Read guidePlan Dutch home-buying costs in 2026: transfer tax, starter exemption, notary and Kadaster, valuation, mortgage advice, NHG, bank guarantee, VvE, and tax deductibility.
Read guideSee the Dutch home-buying timeline from accepted offer and signed agreement through cooling-off, valuation, mortgage, bank guarantee, notary, final inspection, transfer, and NHG confirmation.
Read guide