Mortgage calculator: what does your loan cost?

See what a mortgage costs at the institution you choose: payment before and after tax, contribution fee, charges and the total cost over a period. Contribution rates and fees come from the institutions' own price lists.

Home and loan

Property type

Property value

DKK

Amount you want paid out

DKK

Institution

Alphabetical order – not a ranking.

Loan type

The rate is fixed for the entire term. Can always be repaid at a price of no more than 100.

Interest rate (excl. contribution fee)

Average for new loans in August 2026 (Danmarks Nationalbank). Enter the rate you are offered.

Price

Find today's price at TotalkreditThe default rate already includes a typical price discount, so it goes with a price of 100. If you enter the rate from the price list (the bond's interest rate), also enter the price.

Term

years

10–30 years.

Interest-only years

years

0–10 years.

Comparison period

Bank fee

DKK

Added to the loan. Ask your bank.

Include KundeKroner

Assume the discount continues after 2029

Totalkredit states that all private customers with a Totalkredit loan can get a KundeKroner discount of 0.25% of the outstanding debt per year until 31/12/2029. What happens after that has not been decided – we assume 0% from 2030. Source

Tax and deductions

Household

Municipal tax

National average 25%.

Member of the Church of Denmark

Church tax 0.7% (average).

Other interest expenses per year

DKK

E.g. interest on car loans or other loans. They use up the higher deduction threshold.

Your tax relief is about 33% up to DKK 100,000 and 25% above that.

Payment in the first month before tax: DKK 16,052
Average per month in year one after tax: DKK 12,455
Principal: DKK 3,054,702
Loan-to-value: 76.4%
Contribution rate (weighted): 0.716%; − 0.25% discount
Effective rate: 5.09%; Calculated by us – not APR.
Total cost over 10 years before tax: DKK 1,377,033
Total cost over 10 years after tax: DKK 966,450
Outstanding debt after 10 years: DKK 2,419,550

Total cost = interest, contribution fee, refinancing, price loss and fees in the period. Repayments are not a cost and are not included.

Costs of the loan

Price loss	DKK 0
Price deduction	DKK 6,109
Settlement commission	DKK 4,582
Arrangement commission	DKK 0
Processing fee	DKK 4,000
Registration duty	DKK 40,010
Bank fee	DKK 0
Total (incl. price loss)	DKK 54,701

Source: price list (totalkredit.dk) · valid from 1 July 2026 · checked 8 October 2026

Source: fees · valid from 1 July 2026 · checked 8 October 2026

The rate is Danmarks Nationalbank's average for August 2026.

The loan year by year

Interest, contribution and repayment per year – and outstanding debt

Year-by-year table

Year	Interest	Contribution	Repayment	Refinancing	Total paid	Outstanding
1	DKK 126,086	DKK 14,109	DKK 52,316	DKK 0	DKK 192,510	DKK 3,002,386
2	DKK 123,867	DKK 13,861	DKK 54,534	DKK 0	DKK 192,262	DKK 2,947,852
3	DKK 121,555	DKK 13,602	DKK 56,847	DKK 0	DKK 192,003	DKK 2,891,005
4	DKK 119,144	DKK 18,688	DKK 59,257	DKK 0	DKK 197,090	DKK 2,831,748
5	DKK 116,632	DKK 20,060	DKK 61,770	DKK 0	DKK 198,462	DKK 2,769,979
6	DKK 114,013	DKK 19,610	DKK 64,389	DKK 0	DKK 198,011	DKK 2,705,590
7	DKK 111,282	DKK 19,140	DKK 67,119	DKK 0	DKK 197,542	DKK 2,638,471
8	DKK 108,436	DKK 18,651	DKK 69,965	DKK 0	DKK 197,052	DKK 2,568,506
9	DKK 105,470	DKK 18,140	DKK 72,932	DKK 0	DKK 196,542	DKK 2,495,574
10	DKK 102,377	DKK 17,608	DKK 76,024	DKK 0	DKK 196,010	DKK 2,419,550
11	DKK 99,154	DKK 17,054	DKK 79,248	DKK 0	DKK 195,455	DKK 2,340,302
12	DKK 95,793	DKK 16,476	DKK 82,608	DKK 0	DKK 194,877	DKK 2,257,694
13	DKK 92,291	DKK 15,874	DKK 86,111	DKK 0	DKK 194,275	DKK 2,171,583
14	DKK 88,639	DKK 15,246	DKK 89,762	DKK 0	DKK 193,647	DKK 2,081,821
15	DKK 84,833	DKK 14,591	DKK 93,568	DKK 0	DKK 192,992	DKK 1,988,252
16	DKK 80,866	DKK 13,909	DKK 97,536	DKK 0	DKK 192,310	DKK 1,890,716
17	DKK 76,730	DKK 13,197	DKK 101,672	DKK 0	DKK 191,599	DKK 1,789,045
18	DKK 72,419	DKK 12,456	DKK 105,983	DKK 0	DKK 190,857	DKK 1,683,062
19	DKK 67,925	DKK 11,683	DKK 110,477	DKK 0	DKK 190,084	DKK 1,572,585
20	DKK 63,240	DKK 10,877	DKK 115,161	DKK 0	DKK 189,278	DKK 1,457,424
21	DKK 58,357	DKK 10,037	DKK 120,044	DKK 0	DKK 188,439	DKK 1,337,380
22	DKK 53,267	DKK 9,162	DKK 125,134	DKK 0	DKK 187,563	DKK 1,212,245
23	DKK 47,961	DKK 8,249	DKK 130,440	DKK 0	DKK 186,651	DKK 1,081,805
24	DKK 42,430	DKK 7,298	DKK 135,971	DKK 0	DKK 185,699	DKK 945,833
25	DKK 36,664	DKK 6,306	DKK 141,737	DKK 0	DKK 184,708	DKK 804,096
26	DKK 30,654	DKK 5,272	DKK 147,747	DKK 0	DKK 183,674	DKK 656,349
27	DKK 24,390	DKK 4,195	DKK 154,012	DKK 0	DKK 182,596	DKK 502,338
28	DKK 17,859	DKK 3,072	DKK 160,542	DKK 0	DKK 181,473	DKK 341,795
29	DKK 11,052	DKK 1,901	DKK 167,350	DKK 0	DKK 180,302	DKK 174,446
30	DKK 3,956	DKK 680	DKK 174,446	DKK 0	DKK 179,082	DKK 0

Compare at all institutions

How we calculate

The loan principal is set so that you receive the amount you want after price loss, price deduction, commission, fees and registration duty are added to the loan.
The contribution rate is weighted by how much of the loan falls in each loan-to-value band and is kept fixed for the whole term.
Monthly payments. Tax relief is calculated on interest and contribution fee using the 2026 rates.
The effective rate is calculated by us from the payments and the amount paid out – it is not the bank's APR.

Read the full method and all assumptions

Questions for your bank meeting

What is the contribution rate on my loan, and how is it calculated (loan-to-value bands, interest-only surcharge, discounts)?
What is the total cost over 10 years including all fees – both the institution's and the bank's?
Which price is the offer based on, and what does a fixed-price agreement cost?
What is the APR on the offer, and what assumptions is it based on?
Which fees does the bank charge for arranging the loan?
Are there discounts – such as KundeKroner – and how long do they apply?

realkredit.ai provides general information and calculations – not personal, legal or financial advice, and nothing here is legally binding. The figures are indicative and based on your own numbers and the prices we have verified. Always check your loan offer, and talk to your bank, an independent adviser or a lawyer before you decide.