Budget calculator

Find the purchase price that fits your income and equity — using the 20/40/35 thresholds Austrian banks still apply.

Maximum purchase price
€437,137
Affordable monthly payment: €1,800
€
€1,500€12,000
€
€0€500,000
%
0,5 %8 %
€

Other loans, leasing, alimony — if any

Equity below 20 % — most AT banks require more.

Simplified calculation. Not financial, tax, or legal advice. · As of 04/2026

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How is this calculated?

Reverse annuity: sustainable monthly payment (max 40 % of net income) → maximum loan amount.

Tragbare Rate  = Einkommen × 40 % − Bestehende Schulden
Max Kredit     = ReverseAnnuity(Rate, Zins, Laufzeit)
Max Projekt    = Max Kredit + Eigenkapital
Max Kaufpreis  ≈ Max Projekt ÷ 1,10  (10 % Nebenkosten)

KIM-V (the Austrian regulator's mortgage rule) expired on 2025-06-30, but Austrian banks still apply the same thresholds internally as a risk gate: 20 % equity · 40 % DSTI · 35 years max term.

Maximum purchase price
€437,137
Affordable monthly payment €1,800

Beta · METROX is in public beta. All figures are non-binding estimates. Not investment advice. Methodology