(03) Calculator
What does it cost to live there?
Honest estimates, three ways. Your browser does the maths; nothing is stored and nothing is sent.
Monthly payment
0SEK
0SEK
- Renting, total
- Buying, total (net)
Renting, total
Buying, total (net)
Down payment 15 %
- Renting, total
- Buying, total (net)
Interest, purchase and running costs, minus repayment and value growth.
(04) Good to know
Numbers are not an offer.
01
Rates move
We assume 3.0 %. Swedish average rates in summer 2026 were around 2.7 % (3-month variable) to 3.0 % (3-year fixed); list rates around 3.9 %. Sources: Swedbank average rate July 2026, Konsumenternas June 2026, Zmarta. As of 21 Oct 2026. Your bank quotes the real figure.
02
Sweden repays by rule
Above 70 % loan-to-value the regulator requires 2 % repayment per year, above 50 % at least 1 %. Our annuity is a simplification; the bank calculates its own variant.
03
What is missing
Property fee (fastighetsavgift), insurance, electricity, sewage and reserves are not in the payment. Part of the interest is tax-deductible in Sweden; we do not include that.
04
Stress test
Add two percentage points. If it still works, it works.
Where do you start?
Half an hour by phone or video, free and without obligation. You tell us where you stand; we tell you what we know about your numbers. The bank does the final maths.