Loans and insurance
Loan and insurance calculators 2026
Loan and insurance calculators help you estimate the monthly payment, interest and repayment of a loan in 2026. The mortgage calculator shows the payment, interest and amortization schedule from the price, down payment, rate and term.
The calculators are indicative and are not loan offers. A binding payment and the effective annual rate always come from the personal offer of a bank or lender.
Key figures 2026
- €30,000
- inheritance tax-free limit 2026
- €7,500
- gift tax limit (3 yrs, same donor)
- 95 %
- loan-to-value cap (lainakatto)
- 1.5 % / 3 %
- transfer tax (flat / property)
Mortgage calculator 2026
Calculate your mortgage monthly payment 2026: enter price, down payment, rate and term. Annuity or equal-principal, total interest and a yearly amortization schedule. Free.
Consumer loan calculator 2026
Calculate a consumer loan’s APR and monthly payment 2026: enter amount, term, rate and fees. See interest, fees and total cost. Rate cap 17.50% (H1/2026).
Car tax calculator 2026
Calculate Finnish car tax (autovero) 2026: enter price and CO2 (WLTP). See the tax rate and amount in euros. Electric/hydrogen 0%. Free and indicative.
Annual vehicle tax calculator 2026
Calculate Finnish annual vehicle tax (ajoneuvovero) 2026: base tax (CO2 WLTP/NEDC or mass) + driving-power tax by fuel and mass. Petrol, diesel, electric, hybrid.
Car loan calculator 2026
Calculate a car loan or hire-purchase payment: price, down payment, rate, term and residual value. See the monthly payment, total interest and APR. Free.
Debt consolidation calculator 2026
Compare your current debts with one consolidation loan: the monthly-payment saving and the total-cost difference. See whether consolidation pays off.
Mortgage affordability calculator 2026
Estimate how large a mortgage a bank may approve: servicing capacity (6% / 25-year stress test, 60% of net income) and the 95% loan cap. See the max home price too.
Student loan calculator 2026
Calculate the student loan compensation (40% of the part over €2,500) and repayment. See the compensation, the remaining loan and the monthly payment.
Car insurance calculator 2026 (estimate)
Estimate the annual cost of car insurance: mandatory traffic insurance + kasko by car value, bonus, region and age. Indicative range, not an offer.
Home insurance calculator 2026 (estimate)
Estimate the annual cost of home insurance: rental, owned apartment or house, contents value, cover level and deductible. Indicative range, not an offer.
Property tax calculator 2026
Calculate Finnish property tax (kiinteistövero) 2026: enter the taxable values of the land and building and your municipal rates. See the land tax, building tax and total. Free and indicative.
Capital gains tax calculator 2026
Calculate Finnish capital gains tax (luovutusvoittovero) 2026: sale price, acquisition cost and expenses. Compares the actual cost and the deemed cost (20/40 %) and taxes at 30/34 %. Free and indicative.
Equity savings account vs regular account 2026
Compare the Finnish equity savings account (OST) with a regular securities account 2026: enter your deposit, return and horizon. See the after-tax value on each and which wins. Indicative.
Transfer tax calculator 2026
Calculate transfer tax (varainsiirtovero) 2026: housing shares 1.5 %, real estate 3 %, other securities 1.5 %. Tax on the debt-free price. The first-home exemption ended in 2024. Free.
Inheritance tax calculator 2026
Calculate inheritance tax 2026: the tax-free threshold is 30,000 €, classes I and II, a progressive scale and the spouse and minor deductions. Free and indicative.
Gift tax calculator 2026
Calculate gift tax 2026: the tax-free limit is 7,500 € over three years from the same donor, classes I and II, a progressive scale and cumulation of earlier gifts. Free and indicative.
What loan matters can I calculate?
You can work out the mortgage monthly payment and total interest, and compare repayment methods (annuity vs equal-principal). The down payment reduces the loan amount and thus the payment — in Finland a mortgage usually requires an own-funds share because of the loan-to-collateral cap (lainakatto).
The calculators use the nominal rate. A bank’s effective annual rate (APR) also includes the loan’s costs, so it can be higher.
What changed in 2026?
The inheritance tax-free threshold rose from 20,000 to 30,000 euros on 1 January 2026, and the gift tax threshold from 5,000 to 7,500 euros from the same donor over three years. Both taxes are progressive and split into two classes by the family relationship.
The Financial Supervisory Authority raised the loan cap to 95 percent for all borrowers by its decision of 30 June 2026, so the minimum down payment is 5 percent. In addition, a 60 percent cap on mortgage servicing costs relative to net income applies from 1 January 2026.
Taxes on housing and assets
Transfer tax is 3.0 percent on real estate, that is a house or a plot, and 1.5 percent on housing company shares, that is an apartment. The first-home exemption was removed on 1 January 2024, so first-home buyers also pay transfer tax.
The capital gain on selling your own permanent home is tax-free if you have owned the home for at least two years and lived in it permanently and continuously for at least two years. Otherwise capital gains tax is payable on the profit.
Articles on this topic
All blog articles →FAQ
Which loan calculators are here?
The mortgage calculator (payment, interest and amortization schedule) and the consumer-loan calculator (APR and total cost). Car-loan and refinancing calculators will be added later.
Are the calculators loan offers?
No. They are indicative estimates at the nominal rate. A binding offer and the APR come from a bank or lender.
Do I need a down payment for a mortgage?
Usually yes. The loan-to-collateral cap (lainakatto) limits the loan share of the collateral value, so an own-funds share is needed. The exact terms are confirmed by the bank.
What year is the data from?
The calculator maths is rate-independent; the rate, price and term are your own inputs. The pages are verified for 2026.
How much can you receive tax-free from an inheritance or gift in 2026?
The inheritance tax-free threshold is 30,000 euros per heir from 1 January 2026. The gift threshold is 7,500 euros from the same donor over three years. Above the threshold the tax is calculated on the whole amount.
What is the loan cap in 2026?
A mortgage may be at most 95 percent of the value of the collateral following the Financial Supervisory Authority decision of 30 June 2026, so the minimum down payment is 5 percent. Check your situation with the loan cap calculator.