Frequently asked questions

A housing cost calculation is a breakdown of all your housing costs, including mortgage interest, amortization, operating costs and any association fee. It helps you see whether you can afford a home and what the true monthly cost will be.

KALP stands for "Kvar Att Leva På" (left to live on). It's the affordability test banks use to calculate how much money you have left after housing and living costs. Banks use Konsumentverket benchmarks and a stress-test interest rate of 6–8 %, not today's rate.

From April 1, 2026, at least 10 % of the property's market value is required as a down payment, reduced from the previous 15 %. For a property worth 3 million SEK, that means 300,000 SEK instead of 450,000 SEK.

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 via your App Store or Google Play profile. 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, so you are never charged automatically.

BoKalk costs 39 SEK/month or 199 SEK/year (save 57 %). A paying subscriber can invite a partner at no extra cost.

No. Sign in with Google or Apple. We do not need your personal ID number or bank details.

Yes. We designed the app and its entire infrastructure with GDPR as a foundation from day one. Calculations are stored encrypted within the EU (Finland), we use no cookies, never sell your data, and all analytics use cookie-free technology.

Yes! A paying subscriber can invite a partner to use the app for free. You share a household profile and saved properties. Perfect for couples looking for a home together.

Screenshot a listing, snap a photo of the prospectus, or paste property information. BoKalk's AI reads price, fee, size, and more automatically. You just review and fill in anything that's missing.

KALP (Kvar Att Leva Pa, "left to live on") is calculated by subtracting housing costs (at a stress interest rate of 6–7 %) and living costs (Konsumentverket benchmarks) from your net income. The result must be positive. With BoKalk you can run a similar calculation yourself — without contacting the bank or triggering a credit check.

BoKalk analyzes five key metrics in the association's finances: debt per sqm, maintenance fund per sqm, annual fee relative to area, interest rate sensitivity, and cash flow. The result is presented as a grade from A (strong finances) to E (warning signs). The analysis is included in the housing cost calculation — not as a separate paid service.

From 1 April 2026 (Lag 2026:226), the down payment drops from 15 to 10 %, the tightened amortisation requirement for debt-to-income ratios above 4.5 is abolished, and top-up loans are capped at 80 % of the property value. BoKalk is updated with the new rules.

No. BoKalk is an independent housing cost calculator with no connection to any bank. You do not need BankID, no personal information is shared with banks, and no credit check is performed. Sign in with Google or Apple and calculate freely.