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How much house can I afford?

Your top price once purchase costs are paid, the monthly cost next to your rent, and what you'd own after ten years.

Worked out on this page. Nothing you type is sent or saved.

Car loan, credit cards — anything a bank would count.

Assumed until you add them: a 3.6% mortgage over 30 years and purchase costs of 10% of the price.

  1. 1 · Quick answer
  2. 2 · More accurate
  3. 3 · Exact, in Fyncora →
With the payment held to a third of your take-home pay, your top price is about€224,202€201,622 mortgage + €45,000 of your savings, after €22,420 of purchase costs
Mortgage payment€917a month for 30 years
Owning, all in€1,104a month, with upkeep
Against your rent+€54more a month than you pay now
Ten years on: what you'd own against the rent you'd payOwned: your savings in the home plus the loan repaid. No price change assumed.
In 10 yearsYou'd own€67,537Rent paid€126,000
  • You'd own
  • Rent paid
Hover or tap the chart to read a point
Show the numbers
YearYou'd ownRent paid
Today€22,580€0
1€26,384€12,600
2€30,327€25,200
3€34,414€37,800
4€38,652€50,400
5€43,044€63,000
6€47,597€75,600
7€52,316€88,200
8€57,208€100,800
9€62,280€113,400
10€67,537€126,000

In ten years you'd own €67,537 of the home; the same years of rent come to €126,000.

Try instead

  • Save €10,000 more first€233,293Top price rises to €233,293
  • A rate of 3.1%€1,048 a month€56 a month less at the same price
  • Repay in 25 years€205,599Top price at the same monthly payment: €205,599

Keep this plan

Create your account and Fyncora sets it up for you: a home-deposit goal. You check every number first.

Kept on this device for 7 days, until you sign up. Nothing is sent before that.

Level 3 — exact, in Fyncora

Save the deposit with a goal that watches your real balance.

Fyncora turns this into a deposit goal funded by a real account, tells you the month you'll reach it at your true saving pace, and re-checks the top price whenever your income or bills change.

Start 30 days freeSee it with sample data30 days free, then from €2.50 a month, billed yearly
How this is worked out
  • The mortgage payment is held to a third of take-home pay, minus your other loan payments — close to what many European lenders use. Your bank decides; this shows where you stand.
  • The top price is the mortgage plus your savings, after the purchase costs you set.
  • “Owning, all in” adds 1% of the price a year for upkeep. Property tax and insurance vary too much to guess — add them to the comparison yourself.
  • The ten-year chart assumes the price doesn't move and your rent doesn't rise.
  • Guidance, not financial advice. The same calculation runs inside Fyncora on your real numbers.

Sources