Spot costs before they surprise you
The asking price is only the start. Include purchase taxes, estimated notary costs, works and your reserve to see the full cost of the project.
A FAIR PRICE STARTS WITH YOUBefore you make an offer,
Before you make an offer,
know how far you can go.
Buying a home in Belgium costs more than the asking price. Kenuvo brings your purchase budget, fees, renovation and mortgage into one clear calculation, so you can move forward with figures you understand.
Your home. Your budget. Your financing.
- Free
- Confidential
- No account
Your project is not sent to this website. Saving on this device is optional. Understand your privacy.
01
Free
Every simulation is free. Compare your budgets as many times as you like.
02
Confidential
Your figures stay in your browser: calculations run on your device. Only you decide whether to save or export a project.
03
No account
No registration and no email address required. Start straight away and stay in control.
Free · Confidential · No account
Your project. Your figures. You stay in control.
Your project is not sent to this website. Saving on this device is optional.
Understand your privacy ↗A home in mind? Let’s work through the figures.
One question at a time, clear explanations and your budget at the end.
Calculate my budget for free ↗Which question is holding you back?
Choose your situation. Understand what to allow for, then test your own budget.
How much can I borrow with my salary?
Avoid looking at homes outside your budget.
Do I have enough savings to buy?
Allow for your contribution, fees and reserve.
What costs come on top of the price?
Understand Belgian buying costs by region.
What if renovation costs too much?
Build a starting estimate with a buffer.
Can I buy on one income?
Plan without assuming a second salary.
How much can I offer for this house?
Set your limit before negotiating.
A home you love deserves a sound budget.
Viewing a house in Brussels, Wallonia or Flanders? Kenuvo brings the main costs together to help you decide before you commit.
Prepare an offer that fits your means
Find the maximum purchase price compatible with the savings and limits you entered. A useful starting point for negotiating while protecting your monthly budget.
Arrive better prepared at the bank
Understand your cash contribution, required borrowing and monthly payment. Compare rates or terms, then check your calculation against a real mortgage offer.
From “Can I afford it?” to an explained budget.
First purchase, a new home or a rental investment: follow the steps without needing to know mortgage jargon. You control the assumptions and see what needs adjusting, in euros.
Prepare my purchase with Kenuvo ↗Free · Confidential · No account
Your project. A budget that fits you.
Buying alone or together, with or without works: start with your figures and adjust at your own pace.
Buying alone or together, with a clear plan.
Income, savings, reserve: work through your budget calmly, without creating an account.
Prepare my budget ↗
Plan for works from the start.
Estimate works per m² and add a buffer before making your offer.
Estimate my works ↗Illustrative photographs · Luis Redondo · Kelly Sikkema · Karl Solano / Unsplash
The Kenuvo guides
k.Clarity before you commit.
01 / The Kenuvo guides
How much deposit do you need to buy a home in Belgium?
Understand your own cash, purchase fees and reserve together.
02 / The Kenuvo guidesBuying a house to renovate in Belgium: what budget?
Estimate works before making an offer, then refine with quotes.
03 / The Kenuvo guidesUnderstanding your Belgian mortgage rate
A published average is not your offer.
04 / The Kenuvo guidesBuying to rent with costs in view
Look beyond the headline rent.
05 / The Kenuvo guidesHow does a ten-year bullet loan work?
Lower regular payments, a final principal.
06 / The Kenuvo guidesHow much can I borrow with my salary in Belgium?
Turn take-home income into a monthly payment that leaves room to live.
07 / The Kenuvo guidesBuying a home alone in Belgium: what can you afford?
One income: plan your purchase and your financial safety together.
08 / The Kenuvo guidesHow much should I offer for a house in Belgium?
Set your personal limit before negotiating.
09 / The Kenuvo guidesCosts of buying a house in Brussels: what is the total budget?
Understand the difference between the home price, purchase tax and other fees.
010 / The Kenuvo guidesCosts of buying a house in Wallonia: what is the total budget?
Understand the difference between the home price, purchase tax and other fees.
011 / The Kenuvo guidesCosts of buying a house in Flanders: what is the total budget?
Understand the difference between the home price, purchase tax and other fees.
Questions about buying a home in Belgium
Is Kenuvo really free with no account?
Yes. The calculator and guides are free, with no registration or email address required. You can freely change and compare your simulations.
What does “confidential” mean on Kenuvo?
The figures you enter and calculations stay in your browser; your project is not sent to this website. You choose whether to save on your device or export a file. The host may keep technical access logs. If you share figures with an external AI assistant, its own privacy rules apply.
How can a home buying budget calculator help me?
Kenuvo combines the home price, works, purchase fees and borrowing. You can see how much cash is needed and what monthly repayment follows from your assumptions.
Is the maximum purchase price the value of the house?
No. It is a price compatible with your savings, expenses, works and chosen lending limits. Market value and the property’s condition need a separate assessment.
Does Kenuvo take the Belgian region into account?
Yes. Purchase taxes are distinguished for Brussels, Wallonia and Flanders. Reductions are applied only when you confirm eligibility; your notary must check the conditions.
Can I estimate renovation costs without a quote?
Yes. Choose light, medium or extensive works and an area. Benchmarks per m² give an editable starting budget, which should later be replaced by property-specific quotes.
Are my financial figures saved?
Your project stays in your browser. Saving is not automatic: you choose whether to save on this device or export a file. No account is required.
Can I use Kenuvo with an AI assistant?
Yes. WebMCP-compatible browsers can offer your assistant tools for simulations and filling in the form. Pages and guides remain readable without WebMCP. No tool approves a loan or saves your project.
Explained figures, not promises.
Checked on 2026-10-29
Sources and method
- New housing loan interest rates — Belgium : 3.53 % · 2026-08. Annualised statistical average for new Belgian housing loans with initial rate fixation over 10 years, not APR. Used as an editable nominal assumption; neither a personal offer nor a bullet rate.
- Renovation benchmarks including VAT : 400–700 / 800–1 200 / 1 200–2 000 €/m². Indicative business prices including VAT. Check exclusions and obtain quotes.
- Regional property taxes · Brussels
- Regional property taxes · Wallonia
- Regional property taxes · Flanders
Default fees: €6,500 for purchase excluding duties and €5,000 for the mortgage. Demonstration assumptions, not a notarial fee schedule.
Future rules not verified: ordinary duties used.