Dutch Mortgage Payment Calculator
Estimate the gross monthly payment on a Dutch mortgage with this calculator, which models the two repayment schedules used in the Netherlands: annuity and linear. It holds one rate for the whole term, so the figure is an estimate rather than a quote. To see how much you may be able to borrow, use the mortgage eligibility calculator.
Estimated gross monthly payment (annuity)
€ 1.641
Total interest
€ 240.698
Total repayment
€ 590.698
An estimate, not an offer. It holds the rate you entered for the whole term, while a fixed-interest period is usually shorter than the mortgage term: when it ends you agree a new rate and the payment is recalculated on the balance that remains.
Annuity vs linear
| Annuity | Linear | |
|---|---|---|
| First monthly payment | € 1.641 | € 2.095 |
| Last monthly payment | € 1.641 | € 975 |
| Total interest | € 240.698 | € 202.686 |
| Total repayment | € 590.698 | € 552.686 |
Based on these assumptions, a linear mortgage costs an estimated € 38.012 less in interest, but starts € 454 per month higher.
How Dutch mortgage payments work
Your monthly payment has two parts: interest on the money you still owe, and repayment of the amount the lender advanced. Interest is a cost, and may reduce your tax. Repayment is not a cost — it builds the equity you keep when you sell or remortgage.
Dutch mortgages normally run for up to 30 years but fix the rate for a shorter period, commonly 10 years. This calculator holds the rate you entered for the whole term, which is why the result is an estimate rather than a quote: when the fixed period ends you agree a new rate, and the payment is recalculated on the balance that remains.
Annuity mortgage vs linear mortgage
Annuity mortgage (annuïteitenhypotheek)
One gross payment every month. Early on most of it is interest, so you build equity slowly at first and faster later. It is the most common option in the Netherlands because the monthly amount is predictable and starts lower.
Linear mortgage (lineaire hypotheek)
The same principal each month plus interest on what is left, so the payment starts higher and steadily falls. Total interest is usually lower, which suits households with room in the budget now — for example when a 30% ruling period or a second income is expected to end.
Borrowing capacity depends on lender underwriting and the applicable affordability rules, not only on the payment schedule shown here. Estimate eligibility separately in the mortgage eligibility calculator, and compare buying with staying in your rental in the rent vs buy calculator.
A simple €400,000 example
Take a €400,000 mortgage over 30 years at 3.85% — the site's indicative 10-year fixed rate, which is also the default above:
| Annuity | Linear | |
|---|---|---|
| Monthly payment | € 1.875 | € 2.394 first month, falling to € 1.115 |
| Total interest | € 275.084 | € 231.642 |
| Total repayment | € 675.084 | € 631.642 |
The annuity is the easier monthly budget; the linear route costs an estimated € 43.442 less in interest but starts about € 519 per month higher. Change the amount, rate or term above and both options move with it.
Can you deduct mortgage interest?
Often yes. Interest on a mortgage for your own home generally counts as a Box 1 deduction (hypotheekrenteaftrek), which lowers taxable income rather than your tax directly, so what it saves depends on the rate you pay at. For 2026 the top Box 1 rate is 49.5%, and the saving is smaller if your taxable income is lower. Estimate yours in the Dutch income tax calculator.
For mortgages taken out since 2013, that deduction generally applies only while the loan is repaid in full within 30 years on an annuity or linear schedule — an interest-only balance is not covered, which is why both options here assume full repayment. Circumstances differ, so check your own case, and note that Box 1 rates and credits are still subject to the Belastingplan 2027 proposals: see the guide to the 2027 tax changes. If you use the 30% ruling, part of your salary is already tax-free, so both your taxable income and the value of the deduction are lower — the 30% ruling calculator shows the difference.
What this calculator does not include
- Lender-specific conditions: underwriting, valuation, risk class and the rate you are offered.
- NHG: whether your mortgage qualifies, the one-off provision fee, and any rate a lender attaches to it.
- Insurance, such as buildings (opstal) cover and any life cover your lender asks for.
- Purchase costs (kosten koper) such as transfer tax and notary fees — the guide to buying a home in the Netherlands walks through the full purchase process.
- The tax effect of the deduction: the payment shown is gross, before mortgage interest deduction and before any rate change once the fixed-interest period ends.
Estimates only, based on the assumptions you enter. Not financial or tax advice.
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Official primary sources
Calculator tax, benefit and pension parameters are based on relevant official publications. Market rates and personal entitlements can differ. Calculations are indicative estimates, not official assessments or financial or tax advice.