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Sweden · SEK

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HomeCalc

Mortgage calculator for Sweden

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Sweden

HomeCalc has no data on fees, taxes or lending limits in Sweden. The loan maths and SEK formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

SEK
SEK
20% of the price · Loan SEK 4,000,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
SEK
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

SEK 22,183.90

Sweden · SEK · Basic: fees entered by you

Highest payment
SEK 22,185.23
Total interest
SEK 1,324,137.33
Total paidPrincipal plus interest
SEK 5,324,137.33

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Sweden: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Sweden. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of SEK. Lenders in Sweden may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at SEK 22,183.90. Exact figures are in the schedule table.Year 1: interest SEK 117,972.80, principal SEK 148,234.00Year 2: interest SEK 113,464.15, principal SEK 152,742.65Year 3: interest SEK 108,818.33, principal SEK 157,388.47Year 4: interest SEK 104,031.20, principal SEK 162,175.60Year 5: interest SEK 99,098.49, principal SEK 167,108.31Year 6: interest SEK 94,015.70, principal SEK 172,191.10Year 7: interest SEK 88,778.35, principal SEK 177,428.45Year 8: interest SEK 83,381.69, principal SEK 182,825.11Year 9: interest SEK 77,820.90, principal SEK 188,385.90Year 10: interest SEK 72,090.95, principal SEK 194,115.85Year 11: interest SEK 66,186.75, principal SEK 200,020.05Year 12: interest SEK 60,102.92, principal SEK 206,103.88Year 13: interest SEK 53,834.09, principal SEK 212,372.71Year 14: interest SEK 47,374.56, principal SEK 218,832.24Year 15: interest SEK 40,718.59, principal SEK 225,488.21Year 16: interest SEK 33,860.15, principal SEK 232,346.65Year 17: interest SEK 26,793.11, principal SEK 239,413.69Year 18: interest SEK 19,511.11, principal SEK 246,695.69Year 19: interest SEK 12,007.60, principal SEK 254,199.20Year 20: interest SEK 4,275.89, principal SEK 261,932.24per yearper month80,000160,000240,000320,0008,00016,00024,000Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

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