Beginner tool · Goldie
The Real Cost of a House
“The price on the board isn't what a house costs. Add the interest, the years of upkeep, and the growth your deposit gives up — and the real number can be two or three times the sticker. Let's see yours.”
— Goldie
🏠 What this home really costs over 30 years
€1,278,963
That's about 3.2× the sticker price.
Monthly mortgage payment: €1,528
Where the money really goes
Roofs, boilers, paint, taxes — a rule of thumb is about 1% of the home's value every year.
A broad world index has averaged around 7% a year long-run. This is what your locked-up deposit gives up.
⚠️ Educational only — not financial advice. Illustrative: interest uses a standard fixed-rate mortgage; maintenance is a flat yearly % of the price; opportunity cost is what the down payment could have earned at the growth rate shown. It ignores home appreciation, tax effects and rent avoided — real situations vary. Talk to a licensed advisor.