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.
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.
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.
Try the app for free at launch and explore all the tools
Get notifiedOn 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.
Prices at launch. Less than a coffee per month. No lock-in.
Billed monthly
Notify me at launch · Cancel anytime
Full functionality — completely free at launch
A miscalculation can cost hundreds of thousands. BoKalk costs 39 SEK/month.
All prices incl. VAT
BoKalk uses the same models as banks, based on Riksbanken's policy rate and Finansinspektionen's rules.
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, cancel anytime. No lock-in period.
Choose to subscribe for 39 SEK/month or 199 SEK/year. No credit card required for trial.
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! A paying subscriber can invite a partner to use the app for free. 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.
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: Hieratek AB (org.nr 559580-3429). See our privacy policy.
BoKalk is launching soon. Try the demo now.