Real estate simulators

Free calculators to estimate your borrowing capacity, monthly payments, notary fees and zero-rate loan eligibility.

2 articles

Four tools to prepare your project

Buying, selling or financing a property requires anticipating the right numbers. Our simulators are free, instant and require no registration. They are based on the rules in force in France in 2026 (HCSF, PTZ ceilings, notary fees scales).

  • Borrowing capacity: calculate the maximum amount you can borrow based on your income and charges, within the legal 35 % debt limit.
  • Loan monthly payments: estimate your monthly payments and the total cost of the credit (insurance included) for a given amount, duration and rate.
  • Notary fees: quantify the acquisition costs by property type (old or new), to factor these costs into your global budget.
  • Zero-rate loan (PTZ): estimate the amount you can claim depending on your zone, household composition and property type.

To go further, see our guides on home loan financing, buy or rent comparison and the home buying checklist.