Apartment renovationNov ’26
Lowest point
€7,1505 November
after the kitchen payment
Taking out a home loan?
Put the rest of your life
in the numbers.
(Parquet fitter included.)
Try it free: see how the purchase, the renovation and the loan fit your finances. Enter your own numbers to see what you pay when, and how much money you have left.
A financial plan for buying and renovating a home.
Start a free planSee an exampleMaking a plan is free. Payments aren’t open yet: to keep going after 7 days, request a package and an administrator grants it.
Illustrations with fictional data.
- Enter your money, income and commitments.
Account and savings balances, salaries, living costs and existing loans. One-off, monthly or yearly.
- Add the purchase, the renovation and a loan if you need one.
List the property price, the deposit, the building work and furnishings. Give each cost an amount and a payment date.
- Get your plan and try changes.
See what you pay and when, where the lowest point falls, and what changes with a different loan, a higher cost or a later payment.
See if the money is there
when a bill is due.
The kitchen is due on the 5th. Salaries are paid on the 10th.
The plan shows your account balance day by day, after every salary and every payment.
In this example, the kitchen is paid before the salaries come in. Move the payment date and watch your balance change.
Walk through the whole example
Kitchen€6,000
5 November
Lowest point€7,1505 November
Include everyday costs too.
Alongside the purchase and the renovation, you still pay for groceries, utilities, car registration and existing loans.
Add them as separate items: one-off, monthly or yearly. Then you can see how much you can really spend on the project.
How to build a renovation plan
Equal or decreasing payments?
What’s left for everything else?
For the same loan, compare two ways to repay it. The example shows how much money you would have left after income, living costs, the renovation and the loan payments.
With decreasing payments you pay more at first, but less interest overall. In the example, see what’s left after the renovation, after one year and after two.
See worked comparisons
Money in your account31 October 2028
Equal payments€35,186
Decreasing payments€30,588
€4,598 more in your account with equal payments
With decreasing payments you pay less interest overall. See the full calculation.
The work has started.
Are you still on track?
Record what you actually paid. See what came in over budget, what’s still to pay and whether there’s enough left to carry on.
Enter your current balance and see how the rest of the plan looks with the new numbers.
Don’t worry: you don’t have to record every purchase. You follow the purchase and the renovation, the loan and the money you need for everything else. Living costs can be an estimate, and you update your balance whenever it suits you.
Building work✓ Paid
€8,400€400 more than planned
Still to pay€6,500
New total cost €14,900
Your plan stays useful
after you move in.
After the free trial, a package lets you keep tracking costs, update your balances and check new decisions before you make them.
See the packagesPay off part of the loan, or keep the cash?
Enter how much you want to pay and when. Compare the interest you save, how the repayments change and how much is left for everything else.
Try the early repayment exampleAnother bank offering a better loan?
Coming soon: a comparison of keeping your current loan against refinancing. With the new rate, term and switching costs, you’ll see the difference in total cost and in the money you have left.
What goes into the comparisonTry it first.
Completely free.
Make a plan for free, compare loans and try different amounts and payment dates. If it works for you, keep tracking how it’s going and checking new decisions.
1
Try it without an account.
Do a first calculation with your own numbers. A temporary plan lasts 24 hours from the first draft.
2
Save it when you’re ready.
Register before the draft expires. Registering gives you a 7-day trial with full access, no card needed.
3
Keep going as long as you need.
To keep tracking your plan and running new calculations after the trial, request a package. Payments aren’t open yet: during testing, an administrator grants packages.
A few more things.
Do I need a bank offer first?
No. Start with what you know and add the loan terms later. Anything missing stays marked, and so do the results it affects.
Can I plan just a renovation?
Yes. Add the building work, furnishings and payment dates, and a loan if you need one. You can also plan a purchase with a renovation, or a holiday home.
Do I need to connect my bank?
No. You enter the amounts yourself. We don’t ask for your online banking details. There’s more on the Your data page.
What happens after the free trial?
To keep viewing, editing and running new calculations, you need a package. Payments aren’t open yet: you request a package, and during testing an administrator grants it. Without one, you can still download your data as JSON. We keep saved financial data for 12 months after access ends, with notices before deletion.
Plan the purchase
and the renovation.
Start a free plan
Start with what you know.
No sign-up, no card.