Calculators

Pick the calculator that fits your question

To see what a loan costs each month and in total, the loan calculator is enough. If you have two offers with different rates and fees, the effective rate calculator shows which is cheaper in total.

Before you apply, How much can I borrow? shows what is left of your income each month and which loan that covers. If you have several credits today, Debt consolidation works out what they cost against one new loan over the same term.

The mortgage calculator works out the down payment, amortisation and interest in the first month under the 2026 rules, with a down payment of at least 10%. The savings calculator shows what a starting amount and a monthly saving can grow to with compound growth.

How the calculators work

Loans are calculated as annuity loans: you pay the same amount every month, and interest is charged each month on what is left of the loan. A loan of SEK 100,000 over 5 years at 8.90% costs SEK 2,071 a month. Of the first payment, SEK 742 is interest and SEK 1,329 is amortisation; of the last, SEK 15 is interest.

The effective rate is calculated with the method lenders must use in their representative examples under the Swedish Consumer Credit Act: all payments, including the setup fee and notice fees, converted to a yearly rate. Because interest is paid monthly, 8.90% nominal becomes 9.27% effective even with no fees. With a SEK 500 setup fee and a SEK 25 notice fee each month it becomes 10.06%.

The loan calculator warns you if the rate is above the interest rate cap of 22.00% or if the cost is higher than the amount borrowed. Neither is allowed for consumer credit in Sweden.

The savings calculator adds the return every month. 5% a year becomes 0.407% a month, the monthly return that gives exactly 5% over a year.