Independent housing calculator · Updated for 2026 rules
Snap a photo of the listing, let AI fill in the details, and see the full cost picture in seconds. Affordability test, BRF risk analysis, and rate scenarios — based on official data.
A bank calculator covers interest and amortization — but misses BRF fee sustainability, operating costs, and rate sensitivity. BoKalk is built to be on your side. We show everything — using the same rules as banks, but without hiding anything.
Loan-to-value raised to 90%. Down payment lowered to 10%. Stricter amortization removed. Supplementary loan rules tightened. BoKalk is already updated.
90 %
new LTV cap
10 %
down payment
6–8 %
stress-test rate
BoKalk has everything you need to understand your housing finances. Here are some of the features.
Take a photo of the prospectus or paste property information. BoKalk’s AI reads the price, fees, size, and all other details automatically. No manual typing — just results.
The same calculation banks use — but independent and transparent. See if you pass the stress-test rate, what you have left to live on, and how amortization rules affect you.
Review debt per square meter, maintenance fund reserves, and the risk of fee increases. Understands K3 accounting — interprets BRF finances correctly even when results look negative on paper.
See exactly how your monthly cost changes at 3%, 5%, and 7% interest.
Track amortization, interest costs, and value changes over time.
Try the app for free at launch and explore all the tools
Get notifiedSnap or paste property info
AI reads the details and fills them in for you. Done in seconds.
See the full cost picture
Affordability, BRF analysis, rate scenarios, and total monthly cost.
Compare and decide
Compare properties side by side. Know what you can afford.
On your side
BoKalk is the only tool that works exclusively for you as the buyer. No hidden interests.
Independent
No bank, broker, or lender influences our calculations.
Well-researched reference values
Official sources for rules and rates, plus our own research for operating and maintenance costs.
Your privacy
Your data stays with you. We never sell to third parties. GDPR compliant.
What it looks like
“First time I understood what housing really costs every month. The bank calculator showed less than half.”
“The BRF health check revealed massive debt hidden from the prospectus. We chose a different apartment.”
Prices at launch. Less than a coffee per month. No lock-in.
Billed monthly
Notify me at launch · Cancel anytime
A miscalculation can cost hundreds of thousands. BoKalk costs 39 SEK/month.
All prices incl. VAT
Enter three details and see an estimate of your monthly cost and whether you pass the bank affordability test.
BoKalk uses the same calculation models as banks, based on Riksbanken policy rate, Finansinspektionen amortization rules, and Konsumentverket reference values. Results are meant as decision support — not exact bank statements.
All official figures — policy rate, amortization rules, loan-to-value caps and cost-of-living benchmarks — come from Riksbanken, Finansinspektionen, SCB and Konsumentverket. For operating and maintenance costs we have done our own research and developed reference values based on housing type, tenure, condition and how much work you do yourself versus hiring contractors.
Yes, you can cancel your subscription at any time. No lock-in period. You keep access until the end of your paid period.
When the trial ends, you can subscribe for 39 SEK/month or 199 SEK/year. No credit card required for the trial.
No. Create an account with email or sign in with Google/Apple. We do not need your personal ID number or bank details.
Yes. Calculations are stored encrypted. We never sell data to third parties and are fully GDPR compliant.
Yes! A paying subscriber can invite a partner to use the app for free.
Take a photo of a prospectus or paste property information. BoKalk’s AI reads the price, fees, size and more automatically. You just review and add anything that’s missing.
We're finishing up the app. Leave your email and we'll let you know as soon as it's ready.
By signing up you agree that we store your email to notify you when BoKalk launches. You can unsubscribe at any time by emailing [email protected]. Data controller: Christoffer Ohlander (transitioning to Hieradev AB upon company registration). See our privacy policy.
BoKalk is launching soon. Sign up and we'll let you know.
Launching April 2026