Mortgage and loan calculator
Monthly installments, total interest and total cost for equal or decreasing installments, with country defaults.
Down payment amount: —
How to use the mortgage calculator
- Pick your country. The form fills with example values for that market: price, down payment, rate and term.
- Replace the example interest rate with the rate from your own bank offer, and adjust the price and down payment to your case.
- Choose equal installments for a flat payment or decreasing installments for a payment that falls every month.
- Add an optional extra monthly repayment and a one-off fee to see how they change the total cost.
- Read the result cards, the yearly chart and the table, then copy the schedule into a spreadsheet.
When it helps
- Comparing the monthly installment of two offers with different interest rates.
- Seeing how much interest a 25-year term costs compared with a 30-year term.
- Checking how much a small extra monthly repayment saves over the whole loan.
- Estimating the balance left when a fixed-rate period ends.
- Planning the down payment and the loan amount before talking to a bank.
Frequently asked questions
What is the difference between equal and decreasing installments?
Equal (annuity) installments stay the same every month, but early payments are mostly interest. Decreasing installments split the principal into equal parts, so the payment starts higher and falls each month. Over the same term, decreasing installments cost less interest in total.
How does an extra monthly repayment help?
Every extra amount goes straight to the principal, so the balance falls faster and less interest is charged. The calculator shows the interest saved and the time saved compared with the same loan without the extra repayment.
What does the balance after N years mean?
It is the amount you would still owe after that many years of regular payments. It is useful at the end of a fixed-rate period, when many borrowers renegotiate the rate or switch the lender.
Are the default values current market rates?
No. The defaults depend on the country you pick and are only examples to start from. Always enter the interest rate, fees and conditions from your own loan offer.
How is the one-off fee counted?
The fee is a percentage of the loan amount and is added to the total cost. It does not change the monthly installment or the interest, so you can compare offers with different commission levels.
Is my data sent anywhere?
No. All calculations run in your browser and nothing you type is uploaded, stored or shared, so you can safely test your real numbers.