Work out your mortgage based on your income
Find out how much you can realistically borrow for a home. Quick, simple and without signing up. Based on your income, expenses and current bank lending rules.
- Current bank lending rules
- Non-binding estimate
- Free, no sign-up
Mortgage calculator
Fill in your details to see what mortgage you could get.
Indicative result
Check the inputs. Ages must be 18–100, amounts non-negative, and used credit cannot exceed the total approved limit.
- Maximum mortgage
- €137,000
- Estimated property price
- €171,250
- Own funds required (excluding fees)
- €34,250
- Monthly payment (estimate)Payment at 4.10% interest and 80% loan-to-value. Own funds exclude fees and insurance.
- €662
Indicative model for a new housing loan without discretionary bank exceptions. Includes individual incomes and ages, children, subsistence amounts, existing debts and interest stress. The bank separately assesses eligible income, age at maturity, collateral and other obligations. Payments exclude fees and insurance. Your inputs stay in your browser.
Your mortgage over time
Year-by-year repayment schedule
Balances and cumulative amounts, shown yearly and at the end of the selected period.
No mortgage is available with these inputs. Adjust your income, expenses or debts to see a repayment schedule.
Choose “Save as PDF” in the print dialog. Your details stay in your browser.
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We compare offers from Slovak banks
- Tatra banka
- UniCredit Bank
How does it work?
Enter your details
Fill in your income, expenses and the basics of your mortgage.
Get an instant estimate
Our calculator shows you how big a mortgage you could get.
Compare the conditions
Check the published rates and conditions on the banks’ official websites.
Why use our calculator?
Realistic resultsbased on bank rules
Saves timeand is easy to use
Current interest ratesand limits
Independent comparisonof bank offers
Current mortgage interest rates
Published minimum rates for a 5-year fixation, checked on the stated date. Conditions, insurance and fees differ; a lower rate may not mean lower total costs. APR depends on a specific representative example.
from 4.10 %5 years fixation
Official source and conditions– 365.bank365.bank
LTV up to 80%, Účet plus €5.90/month, spending of at least €300/month, account credits €1,500/month and Domos Kompakt insurance.
from 4.29 %5 years fixation
Official source and conditions– VÚB bankaVÚB banka
With an active account and repayment insurance (0.40 pp combined discounts); subject to assessment.
from 4.49 %5 years fixation
Official source and conditions– Slovenská sporiteľňaSlovenská sporiteľňa
With the Výhodný súčet – Lepšie úroky programme; account and insurance conditions, subject to assessment.
- Tatra banka
from 3.99 %5 years fixation
Official source and conditions– Tatra bankaTatra banka
With the rewards programme: account and repayment insurance according to the selected programme; subject to assessment.
from 4.10 %5 years fixation
Official source and conditions– ČSOBČSOB
Rate from, subject to application assessment and loan parameters.
from 3.80 %5 years fixation
Official source and conditions– Prima bankaPrima banka
Special offer for approval by 28 October 2026; subject to assessment.
- UniCredit Bank
from 4.49 %5 years fixation
Official source and conditions– UniCredit BankUniCredit Bank
With an active account (credits of at least 1.5× the payment and 3 card payments monthly) and repayment insurance.
from 4.29 %5 years fixation
Official source and conditions– mBankmBank
LTV up to 80% and an mKonto account; higher LTV or no account increases the rate.
from 3.88 %5 years fixation
Official source and conditions– Fio bankaFio banka
LTV up to 80%, loan from €40,000; subject to assessment.
Updated:
Average rate on new housing loans
ECB/NBS volume-weighted rate for 2026-08: 3.73%, APRC 3.97%. Includes renegotiations of existing loans; this is not a personal offer.
ECB / NBS · 2026-10-19NBS housing asking prices, 2Q 2026: overall 3,041 €/m², flats 3,430 €/m², houses 2,163 €/m². These are not transaction prices.
NBS · 2026-10-19Useful mortgage information
Go to guides
How to qualify for a bigger mortgage
Tips to help you get better terms and a larger loan.
What income do banks accept?
Find out which types of income count and how they are calculated.
Interest rate fixation: what you need to know
The pros and cons of different fixation periods.
How to get a mortgage in Slovakia – step by step
What happens between your first calculation and the money being paid out, and what is set by law versus by your bank.
Mortgage requirements – what the NBS sets and what the bank decides
Which mortgage requirements the NBS makes binding on every bank, and which each bank decides for itself – age, income, credit history and the property.
Interest and interest rates: what they mean and how they're calculated
The rate in percent, interest in euros, the APRC and the ECB rate are different things. Explained with mortgage examples.
Frequently asked questions
How is the mortgage amount calculated from income?
The calculator uses 60% of income after subsistence amounts, interest stress capped at 6%, and an age-adjusted total debt limit. It considers each applicant’s income and age, deducts existing debts and includes card limits. The bank decides on final approval.
Is the calculator's result binding?
No. The result is an indicative estimate. The bank sets the final mortgage amount after assessing your creditworthiness, credit register history, the applicants' age and the property's value from a valuation report.
Which expenses should I enter in the calculator?
Enter regular household costs as expenses and other loan repayments separately, excluding cards. In the extra fields enter outstanding loan balances, total approved card/overdraft limits and the used balances. The calculator includes these automatically.
Can I get a mortgage on a lower income?
Yes, as long as the repayment fits within the limits. Adding a co-applicant, a longer term, paying off or cancelling other loans and credit cards, or a larger down payment so you need to borrow less can all help.