App Profile: Huskalkyl

Huskalkyl.se is the advanced home-buying calculator for Sweden. It works per house, not per generic loan:

• exact down payment
• title-deed fee (lagfart, 1.5 %)
• new mortgage-deed fee (pantbrev, 2 %)
• amortization under Swedish rules
• money left every month after all expenses

Key features
• Accurate buying power – enter income, interest, debt-to-income and cash buffer to see your max house price and how it shifts with different amortization levels.
• House-specific costs – lagfart and pantbrev auto-calculated from price and existing deeds.
• Full monthly cost – interest, amortization, running costs and property tax in one view.
• Scenario simulation – tweak price, rate or down payment and instantly see new liquidity.
• Optimised buffer – set a minimum “money left” and get the top price you can bid while keeping a renovation fund.
• Privacy-first – all calculations happen on your device.
• Always up-to-date – Swedish amortization rules and debt-ratio caps are built in and kept current.

Why Huskalkyl vs bank calculators?
Banks show loan size only. Huskalkyl includes lagfart, pantbrev and your own cash reserve, so you know the true, house-specific limit before bidding.

Disclaimer: Figures are indicative, not financial advice. Verify numbers and regulations with your lender and Swedish authorities before purchase.