Detailed mortgage calculator

Select the appropriate calculator for mortgage cost calculation

Detailed mortgage calculator

Monthly payment
Amortization schedule
Property price
€
%
€
Down payment
Loan term
years
Annual interest rate
%
Monthly household net income
€
40% of monthly net income
0
Monthly payment

Monthly payment

Mortgage payment
€
Estimated monthly housing cost

Monthly housing cost
0
Calculation summary
Loan amount: 0 €
Monthly housing cost: 0 €
Amortization schedule

Mortgage summary

Loan amount:

Total interest:

Total loan cost:

Estimated payoff date:

Amortization breakdown

0
Principal repaid
0
Interest paid
0
Remaining balance
0

Estimated monthly payment:

Amortization schedule

Expand all years

Annual summary

YearPrincipalInterestTotal paymentBalance
Total
Calculation summary
Loan amount: 0 €
Monthly housing cost: 0 €
Estimated total purchase cost: 0 €

This calculator provides an illustrative estimate only. Actual interest rates, lending criteria, fees, taxes and approval conditions depend on the bank, the property and the buyer's circumstances.

How the mortgage calculator works

Enter the property price and down payment

The estimated loan amount is the difference between the property price and your planned down payment.

Choose the loan term

Set how many years you want to use for the repayment estimate. A longer term usually lowers the monthly payment but increases total interest.

Enter an expected interest rate

Use an annual rate that reflects the financing scenario you want to test. The actual bank offer may differ.

Review the estimated monthly payment

The result updates automatically as you change the inputs. You can also add recurring housing costs for a more realistic monthly budget.

Explore the amortization schedule

Choose a start date to see how principal, interest and the remaining balance can change over the life of the loan.
Calculate your scenario Adjust the values above to compare different financing options.
Calculate your scenario Adjust the values above to compare different financing options.
Calculate your scenario Adjust the values above to compare different financing options.
Calculate your scenario Adjust the values above to compare different financing options.
Calculate your scenario Adjust the values above to compare different financing options.

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Plan your property financing with clearer numbers

Use the mortgage tools to explore possible payment scenarios, compare assumptions and understand how loan size, term and interest can affect your budget. The results are estimates and should be confirmed with a lender or qualified adviser.

Compare scenarios

Change the main loan parameters and immediately see how different assumptions affect the estimated payment and total cost.

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Understand your budget

Use the calculation as a starting point for deciding what property price and financing structure may be comfortable for you.

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Prepare before speaking to a lender

A preliminary estimate helps you ask more precise questions about rates, fees, eligibility and repayment terms.

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Keep the estimate realistic

Include a financial buffer and verify all taxes, fees and lending conditions before making a purchase decision.

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