Calculate your mortgage precisely
Go beyond a simple payment calculator. Full mortgage analysis with monthly payment, amortization schedule, extra payment impact, refinancing comparison, fixation end scenarios, and invest vs repay decision — all in one place.
Mortgage Parameters & Loan Overview
Enter your property price, down payment percentage, interest rate, and repayment period. Instantly see the calculated loan amount, LTV ratio, and affordability check against your income.
Loan amount
€160,000
Affordability
27% OK
✓Monthly Payment & Cost Summary
Key metrics at a glance — your monthly payment, total amount paid over the life of the loan, total interest cost, and loan-to-value ratio. Know exactly what your mortgage will cost.
Monthly payment
€850
/month
Total paid
€305,500
Total interest
€145,500
LTV ratio
80.0%
Payment Structure Visualization
Donut chart shows how your total payments split between principal and interest. Line chart reveals how the principal portion of each payment grows over time while the interest portion shrinks.
Payment breakdown
Principal
€160,000
52.3%
Interest
€145,500
47.7%
Principal vs Interest over time
Detailed Amortization Schedule
Year-by-year or month-by-month breakdown showing each payment split into principal and interest, remaining balance, and cumulative totals. Switch between annual and monthly view for any level of detail.
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 254 748 | 60 260 | 194 488 | 3 939 740 |
| 2 | 254 748 | 63 283 | 191 465 | 3 876 457 |
| 3 | 254 748 | 66 456 | 188 292 | 3 810 001 |
| 4 | 254 748 | 69 787 | 184 961 | 3 740 214 |
| 5 | 254 748 | 73 285 | 181 463 | 3 666 929 |
... 25 more years
Extra Payment Analysis
See the impact of extra payments on your mortgage. Enter a one-time or recurring extra payment and instantly see how much interest you save, how many months you cut off, your new monthly payment, and your new payoff date.
Saved interest
€4,100
Saved months
7 months
New payment
€830
New payoff date
30.4.2056
Refinancing Analysis
Compare your current mortgage rate with a new offer. See monthly savings, total savings over remaining term, payback period for refinancing costs, and a clear recommendation whether refinancing is worth it.
Current rate
4.90%
New rate
4.80%
Refinancing cost
€1,600
Current
Monthly payment
€850
Total cost
€305,500
New
Monthly payment
€840
Total cost
€304,000
Monthly saving
€10
Total saving
€1,900
Payback period
165 months
Fixation Scenarios & Investment Comparison
What happens when your fixation period ends? See 4 interest rate scenarios from optimistic to extreme. Plus: should you invest extra cash in the market or pay off your mortgage faster? Data-driven comparison with clear recommendation.
Fixation end scenarios
Invest vs Repay
Repay mortgage
Invest
How it works
Three simple steps to optimize your mortgage
Set Your Parameters
Enter property price, down payment, interest rate, and repayment period. The calculator instantly computes your loan amount and affordability.
Analyze the Results
Review your monthly payment, amortization schedule, payment structure charts, and key cost metrics to understand your mortgage fully.
Optimize Your Mortgage
Use extra payment analysis, refinancing comparison, and fixation scenarios to find the best strategy and save thousands.
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Complete mortgage analysis with amortization, refinancing, and optimization tools.
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