Housing Calculators — All Real Estate Calculators in One Place
NT Vadovas — your real estate guide in Lithuania — offers free housing calculators for anyone buying, selling, or investing in property. Find the loan calculator, property value calculator, profitability calculator, and more — all in one place, no registration, no fees.
All calculators are built to Lithuanian banking standards and use current financial models. Suitable for first-time buyers and experienced real estate investors alike.
All free real estate calculators
Loan Calculator
Calculate your mortgage monthly payment, total interest, and full amortization schedule. Enter EURIBOR and bank margin for accurate results.
Property Value Calculator
Estimate the market value of your property based on area, location, construction year, and condition. Free online property valuation.
Profitability Calculator
Calculate real estate investment ROI, net yield, and payback period. Designed for investors evaluating rental property purchases.
How Much Can I Borrow?
Find out your maximum loan amount based on your income and Bank of Lithuania responsible lending requirements. Includes stress test calculation.
Best Payment Day Calculator
Find the optimal loan payment day to save on interest. Accounts for EURIBOR fixing dates and bank calculation methods.
Why use NT Vadovas calculators?
When buying or refinancing a home, accurate numbers are decisive. The difference between 2.5% and 3% interest over 30 years can amount to tens of thousands of euros. NT Vadovas housing calculators let you quickly compare scenarios and make informed decisions.
The loan calculator accurately computes annuity and linear monthly payments based on EURIBOR and bank margin. The borrowing capacity calculator reflects the latest Bank of Lithuania responsible lending criteria — DSTI and LTV limits. The profitability calculator helps evaluate whether buying a rental apartment is a profitable investment.
All NT Vadovas calculators are free, require no registration, and collect no personal data. Use them as many times as you need.
Frequently asked questions about housing calculators
How do I use the housing calculators?
Select the calculator you need, enter your data (loan amount, term, interest rate, or property parameters) and instantly get results. No registration required — all calculators are free and unlimited.
Are the housing calculators accurate?
NT Vadovas calculators use the same financial formulas as Lithuanian banks. The loan calculator accurately computes annuity and linear payments using the PMT formula. Results may differ slightly from your bank due to individual terms.
What makes NT Vadovas calculators different from bank calculators?
NT Vadovas offers all housing calculators in one place — loan, value, profitability, and borrowing capacity. Unlike bank calculators, you can compare different scenarios independently of any specific bank product.
Do I need to register to use the calculators?
No. All NT Vadovas calculators are completely free and accessible without registration. No personal data is collected.
Which calculators are best for first-time buyers?
First-time buyers should start with the 'How Much Can I Borrow?' calculator — it shows your real borrowing capacity based on Bank of Lithuania requirements. Then use the loan calculator to compute payments for a specific amount and term.