Independent housing calculator · Updated for 2026 rules
Screenshot the listing or snap a photo, 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.
Bank calculators show interest and amortization. But operating costs, maintenance, property tax, and fee sustainability — the things that determine what you actually pay each month — are missing. A home with 8 500 SEK in interest and amortization can cost 14 000 SEK in reality. That’s the number you need before you bid.
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
The information exists — scattered across banks, brokers, and annual reports. BoKalk gathers it all in one place so you don’t have to start over every time.
| Bank calculator | Broker’s listing | BoKalk | |
|---|---|---|---|
| Interest and amortization | sometimes | ||
| Coop fee (BRF) | sometimes | ||
| BRF health analysis | |||
| Operating costs (electricity, heating, water, insurance) | sometimes | sometimes | |
| Maintenance budget | |||
| Property tax | |||
| Transport costs | |||
| Interest deduction | sometimes | ||
| Rate sensitivity (3 / 5 / 7 %) | |||
| KALP (bank stress test) | internal | ||
| Save and compare properties without starting over |
Interest and amortization
Coop fee (BRF)
BRF health analysis
Operating costs (electricity, heating, water, insurance)
Maintenance budget
Property tax
Transport costs
Interest deduction
Rate sensitivity (3 / 5 / 7 %)
KALP (bank stress test)
Save and compare properties without starting over
The bank’s KALP calculation is done internally and rarely shown to you. Broker calculators don’t save your data between properties. With BoKalk you get the full picture — saved and structured.
BoKalk has everything you need to understand your housing finances. Here are some of the features.
Screenshot the listing, snap a photo, or paste property info. The AI reads most details automatically — you just review and fill in anything that’s missing.
A similar calculation to what 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.
Save every property you look at. Compare monthly cost, true cost, and affordability side by side. Bank calculators show one property at a time — next time you calculate, you start over. In BoKalk, everything is saved.
Sign up and we will tell you when the app is available
Notify me when the app is availableOn 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
Calculations are stored encrypted in the cloud so you can access them from any device. We never sell your data and are fully GDPR compliant.
A third of your Netflix subscription. For the most important financial decision of your life.
Billed monthly
No payment needed right now · Cancel anytime
The KALP calculator, BRF health check, rate sensitivity analysis and long-term forecast will be free for up to 4 properties once the app is available.
A miscalculation can cost hundreds of thousands. BoKalk Premium costs 39 SEK/month.
All prices incl. VAT
BoKalk runs a similar calculation to the banks, using Riksbanken's policy rate, the amortization rules that have been law since 1 April 2026, and Konsumentverket's reference values. The results are estimates; the final assessment is always made by your bank.
All official figures — policy rate, amortization rules, loan-to-value caps and cost-of-living benchmarks — come from Riksbanken, Konsumentverket, SCB and the amortization rules and loan-to-value cap that have been law since 1 April 2026. 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.
The app is not yet sold in the App Store or Google Play; this is how it is planned to work. Yes, cancel anytime. No lock-in period.
The app is not yet sold in the App Store or Google Play; this is how it is planned to work. The trial starts in the app store and requires a payment method there. Cancel in time and you pay nothing (in the App Store at least 24 hours before the trial ends); otherwise the subscription continues at 39 SEK/month or 199 SEK/year. Without a subscription you can use BoKalk for free for up to 4 homes.
No. Sign in with Google or Apple.
Yes. The app is built with GDPR at its core — encrypted EU storage, no cookies, no data sold.
Yes! You can invite a partner to share your household, whether or not you have Premium. You share a household profile and saved properties.
Screenshot the listing, snap a photo of the prospectus, or paste property information. BoKalk's AI reads most details automatically — you just review and fill in anything that's missing.
Sign up and we'll let you know as soon as BoKalk becomes available.
Leave your email and we'll let you know when the iPhone version is released in the App Store.
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: Hieratek AB (org.nr 559580-3429). See our privacy policy.
A third of your Netflix subscription. For the most important financial decision of your life.