Mortgage Calculator
Monthly payment, total cost and interest share of a mortgage, with a yearly schedule. It runs entirely in your browser — no signup, no installation, and nothing you paste or drop leaves your device.
| Year | Balance at year end | Interest | Principal |
|---|
The monthly payment is the first-year annuity and stays the same as long as the interest rate does not change. In practice the bank agrees a fixed-interest period (often 10, 15 or 20 years) and then sets a new rate for the remaining balance.
How the Mortgage Calculator Works
This mortgage calculator turns a purchase price into a financing figure you can actually compare. Enter the purchase price, the ancillary costs as a percentage (land transfer tax, notary, land registry and agent fees vary by country and state), your equity, the nominal interest rate and the initial repayment rate. The calculator adds the ancillary costs to the purchase price, subtracts your equity and reports the loan amount, the monthly annuity payment (interest plus initial repayment), the loan-to-value ratio and the interest share of the first instalment. The annual table then shows how the balance develops, and the outstanding debt is highlighted after 10, 15 and 20 years — the periods most fixed-interest agreements run for. It also reports the total interest until the loan is fully repaid and the complete cost including interest.
Immobilienfinanzierung: Rate, Restschuld und Zinsen
What is Mortgage Calculator?
Mortgage Calculator is a free online calculator built for anyone planning a loan, investment, salary or purchase. Monthly payment, total cost and interest share of a mortgage, with a yearly schedule In practice you enter the property price, down payment, rate and term, run the calculation, and then read the monthly payment, total cost and the yearly schedule.
The figures you enter are calculated locally; no number is transmitted or stored, so the tool is safe for real salaries, loans and client figures.
How to use Mortgage Calculator
- Enter the property price, down payment, rate and term.
- Run the calculation.
- Read the monthly payment, total cost and the yearly schedule.
Mortgage Calculator FAQ
Is Mortgage Calculator free to use?
Yes. Mortgage Calculator is completely free and needs no account, no trial and no payment details. Every feature on the page is available without limits.
Is my data uploaded anywhere?
No. Mortgage Calculator runs entirely in your browser, so the text, file or number you enter never leaves your device.
Does Mortgage Calculator work on a phone or tablet?
Yes. It works in any modern browser on desktop, tablet and phone. There is no app to install and no account to create.
How do I use Mortgage Calculator?
Enter the property price, down payment, rate and term. Run the calculation. Read the monthly payment, total cost and the yearly schedule.