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Compare your budget, confirmed grants and expected bill savings. Starting values are editable examples: an energy class alone cannot predict works costs, grants or property appreciation.
Enter documented amounts only; leave 0 if no grant is included. This does not mean you are ineligible. Do not deduct reduced VAT already included in quotes a second time.
Review housing assistanceUse bills and a consistent technical scenario: comparable usage, occupancy and reference prices before/after. Prices may differ by energy source. Unchanged fixed charges are not savings.
Annual cash flows at year-end. Energy escalation starts in year 2; maintenance stays constant in nominal euros. Grants are paid in the entered year. No automatic resale gain, tax, residual value or unentered future replacement.
Amortising loan with constant monthly payments, excluding insurance and unentered bank fees. The rate is your assumption or offer, not a guaranteed climate-loan rate. Project returns are calculated before financing.
Financial simulation based on your assumptions, without promising grants, an energy class or appreciation. NPV and IRR include entered grants and their timing, but exclude the loan to keep project returns separate from financing. Negative IRRs remain negative; unsupported non-unique-IRR cash flows are shown as undefined.
| Year | Net cash flow | Cumulative | Discounted cash flow |
|---|---|---|---|
| 1 | 3 200,00 € | -84 800,00 € | 3 106,80 € |
| 2 | 3 200,00 € | -81 600,00 € | 3 016,31 € |
| 3 | 3 200,00 € | -78 400,00 € | 2 928,45 € |
| 4 | 3 200,00 € | -75 200,00 € | 2 843,16 € |
| 5 | 3 200,00 € | -72 000,00 € | 2 760,35 € |
| 6 | 3 200,00 € | -68 800,00 € | 2 679,95 € |
| 7 | 3 200,00 € | -65 600,00 € | 2 601,89 € |
| 8 | 3 200,00 € | -62 400,00 € | 2 526,11 € |
| 9 | 3 200,00 € | -59 200,00 € | 2 452,53 € |
| 10 | 3 200,00 € | -56 000,00 € | 2 381,10 € |
| 11 | 3 200,00 € | -52 800,00 € | 2 311,75 € |
| 12 | 3 200,00 € | -49 600,00 € | 2 244,42 € |
| 13 | 3 200,00 € | -46 400,00 € | 2 179,04 € |
| 14 | 3 200,00 € | -43 200,00 € | 2 115,58 € |
| 15 | 3 200,00 € | -40 000,00 € | 2 053,96 € |
| 16 | 3 200,00 € | -36 800,00 € | 1 994,13 € |
| 17 | 3 200,00 € | -33 600,00 € | 1 936,05 € |
| 18 | 3 200,00 € | -30 400,00 € | 1 879,66 € |
| 19 | 3 200,00 € | -27 200,00 € | 1 824,92 € |
| 20 | 3 200,00 € | -24 000,00 € | 1 771,76 € |
These sources explain eligibility and procedures; they do not validate the costs or savings entered in your scenario.
Klimabonus 2026 — Guichet.luTVA logement — AED