Mortgage Interest Deduction Calculator (Hypotheekrenteaftrek)
Calculate how much you can deduct from your mortgage interest payments in the Netherlands. See the eigenwoningforfait, your net tax deduction, and your effective monthly mortgage cost.
Mortgage Interest Deduction Calculator
Calculate your Dutch mortgage interest deduction (hypotheekrenteaftrek)
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.
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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.