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Free Home Loan Affordability Calculator

See how much home you can afford, plus a Danish realkredit mode that computes bidragssats by belåningsgrad and the full monthly ydelse. Free, private, vejledende satser.

Works offline once loaded
/ year
/ month
%
years
Estimated max price
DKK 3,082,457
Based on a 28/36 debt-to-income rule at your interest rate and term. Limited by the 28% housing-cost cap.
Monthly housing budget
DKK 14,000 / month
Loan amount
DKK 2,932,457
Common ~4x income rule
DKK 2,550,000
⚠️ Bidragssatser are indicative (vejledende) and vary by institution and date — confirm with your realkreditinstitut. Estimate only, not financial advice.

🔒 Everything is computed locally in your browser — your finances never leave your device.

Common uses

  • RealkreditberegnerBeregn din månedlige ydelse, bidragssats og belåningsgrad på et realkreditlån.
  • Bidragssats efter belåningsgradSe den vejledende bidragssats for din LTV-bånd og lånetype.
  • Afdragsfrihed vs AfdragSammenlign ydelsen med og uden afdragsfrihed.
  • Hvor meget kan jeg låne?Få et vejledende maksimalt boligbudget ud fra din husstandsindkomst.
  • LTV Bands & BidragUnderstand how loan-to-value bands change the margin.
  • F-loan vs Fixed RateCompare an adjustable F-loan with a fixed-rate loan.

How It Works

Estimates how much home you can afford from your household income, and includes a Danish realkredit mode that computes the bidragssats (margin) from your belåningsgrad (LTV) and shows the full monthly ydelse — afdrag, rente and bidrag. Satser are indicative ("vejledende") and run entirely in your browser.

  1. 1
    Affordability
    Enter household income and down payment for an indicative maximum price (the common ~4× income rule).
  2. 2
    Switch to realkredit
    Enter the bolig value, udbetaling, rate and term, then choose fast or rentetilpasning, afdragsfrihed and payment frequency.
  3. 3
    See the bidrag breakdown
    You get the belåningsgrad, the indicative bidragssats for that LTV band, the yearly bidrag, and the total monthly ydelse.
  4. 4
    Mind the 80% cap
    Realkredit lending is capped at 80% LTV (75% for sommerhus) — the tool flags anything above that.

Everything is computed locally in your browser — your finances never leave your device.

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Frequently Asked Questions