Mortgage Calculator
Plan a Dutch mortgage end-to-end: monthly payments, hypotheekrenteaftrek tax benefit, optional yearly extra repayments, and — if you're buying with a partner — a 50/50 ownership model with an exit-strategy split based on each partner's equity.
Single buyer. Calculates your monthly payment and Dutch mortgage interest deduction.
Mortgage Calculator
Plan your Dutch mortgage: monthly payment, hypotheekrenteaftrek, and a 50/50 partner exit strategy
How does the mortgage interest deduction work?
In the Netherlands, you can deduct mortgage interest on your primary residence from your taxable income in Box 1. However, the eigenwoningforfait (imputed rental value based on your WOZ value) is added back. The net deduction (interest minus eigenwoningforfait) is taxed at a capped rate that is lower than the top tax bracket.
Results
Disclaimer
This calculator provides an estimate based on standard mortgage interest deduction rules. It does not account for all possible scenarios such as partial year ownership, refinancing, or the Hillen arrangement phase-out. For a precise calculation, consult the Belastingdienst or a tax advisor.