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 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, 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.

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. You cancel in the store where you started the subscription: in Google Play under Payments & subscriptions, or in the App Store under Subscriptions in your Apple account. On Google Play you cancel before the trial ends. In the App Store, Apple asks you to cancel at least 24 hours before the trial ends. A paid subscription that you cancel runs until the end of the period you have paid for.

The app is not yet sold in the App Store or Google Play; this is how it is planned to work. BoKalk is free for up to 4 properties, with the KALP calculator, BRF health check, rate sensitivity analysis and 10-year forecast. Premium costs 39 SEK/month or 199 SEK/year (save 57 %) and removes the property limit and raises the caps on AI-powered BRF analyses and daily AI import quota.

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! You can invite a partner to share your household, whether or not you have Premium. You share a household profile, saved properties and any Premium tier. 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.