Mortgage Interest Deduction Calculator

Hypotheekrenteaftrek is a Dutch tax deduction that allows homeowners to deduct mortgage interest payments from their taxable income, reducing their tax burden.

Eigenwoningforfait is an imputed rental value that homeowners must add to their income. It partially offsets the mortgage interest deduction.

WOZ value is the municipality’s assessed value of your home. You can find it in your annual WOZ assessment notice, and often via MijnOverheid or the WOZ-waardeloket. The WOZ value is used for calculations like eigenwoningforfait.

Eigenwoningforfait is typically calculated as a percentage of your home’s WOZ value. The percentage (and thresholds) can differ per tax year. Use the hypotheekrenteaftrek calculator with the right tax year and your WOZ value to see the correct amount and its impact on your tax benefit.

In 2026, the maximum tax benefit rate for mortgage interest is 37.56%. Even if you are in the highest bracket (49.5%), the deduction is capped.

Gross monthly mortgage costs are what you pay to the lender (interest plus repayment). Net monthly costs are the gross costs minus the tax benefit from mortgage interest deduction (only interest is deductible, not repayment), adjusted for things like eigenwoningforfait. The difference depends on your income and tax year (for example the maximum deduction rate is 37.56% in 2026). Use the calculator to estimate your net monthly cost.

You can typically deduct mortgage interest for a maximum of 30 years from the date you took out the mortgage (the 30-year term).

Yes. If you have a fiscal partner, you can choose how to allocate mortgage interest deduction between you. This can be optimized based on marginal rates.