Dutch mortgage calculator

See your monthly payment, your net cost after mortgage-interest deduction and eigenwoningforfait, and how annuity and linear mortgages compare over the full term.

Your mortgage

Purchase price (€) Down payment (€) Interest rate (%/yr) Term (years)

Mortgage type

Top income tax rate

Override WOZ valueedit →

Use a different WOZ value than the purchase price

Monthly payment (Annuity)

€1,597

gross, month 1

Net monthly cost

€1,206

after MID + EWF, year 1

Total interest (Annuity)

€255k

over 30 years

Total cost (Annuity)

€575k

principal + interest

Annuity vs. linear

	Annuity	Linear
Month-1 payment	€1,597	€2,054
Total interest	€255k	€210k
Total cost	€575k	€530k

Annuity balance Linear balance

ℹRemaining loan balance over time. Annuity payments stay flat but pay down slower at first; linear payments start higher and shrink every month.

WOZ value and your tax rate are assumed constant over the full term. This tool doesn't model house-price appreciation, CPI, or investment returns. For the full comparison against renting including those effects, use the rent vs. buy calculator. Not financial advice.