House or apartment budget

This educational tool is free to use without an account. Change one input at a time, compare results and read the example and assumptions below. Results are illustrations, not forecasts or personal offers.

A full budget includes land or property, additional costs and work, not just the headline price.

Educational calculators only. Assumptions are not a quote or financing approval.

Using the result

Start with fictional amounts that are easy to check without a calculator. Write down the inputs and the first result, then change just one assumption. This helps you identify what caused the difference instead of changing several factors together. Check whether amounts are monthly or annual, which currency is used and which costs are included. Two decimal places do not make an assumption certain. Finally, explain the result in your own words, identify missing information and note what you would need to verify before using real money.

Separate amounts already paid from amounts still due. Do not count a turnkey contract both as a total and as additional component costs. Check what is included before adding separate work. Compare 20% and 30% reserves on the same selected items. The difference does not predict overruns: it shows the extra funding required when choosing a larger planning margin.

Explanation and example

For a self-build house, separate land, planning, advisers, permits, contractor, utility connections, excluded work and furnishing. For an apartment include purchase, applicable taxes, legal fees, brokerage if used, inspection, renovation and moving. Enter VAT-inclusive amounts where applicable without adding VAT twice. Track paid and remaining amounts. Never count both a contractor subtotal and its detailed instalments.

Practice example

A contractor costs 1,000,000: 300,000 paid and 700,000 remaining. Adding the subtotal again would double-count it.

Choose house or apartment and enter five cost categories.

Check your understanding

A cost has 100,000 paid and 40,000 remaining. What is its total?

Flooring is already in the turnkey price. Add its full cost again?

Full lesson