Mortgage and loan calculator

Enter the price, your down payment, the interest rate and the term — see the monthly payment, the total interest and what an extra monthly payment would save.

Works in any currency — enter amounts in the one you use.

Monthly payment1 334
Loan amount240 000
Total interest160 199
Total paid, with down payment460 199
Loan-to-value80%
Payment as a share of income22,2%
Price your income allows437 812

Year-by-year schedule
YearPrincipal paidInterest paidBalance left
15 31710 691234 683
25 56110 447229 122
35 81610 192223 306
46 0849 924217 222
56 3639 645210 859
66 6559 352204 203
76 9619 047197 242
87 2818 727189 961
97 6168 392182 346
107 9658 043174 380
118 3317 677166 049
128 7147 294157 335
139 1146 894148 221
149 5336 475138 688
159 9716 037128 717
1610 4295 579118 287
1710 9085 100107 379
1811 4094 59995 970
1911 9334 07584 036
2012 4823 52671 555
2113 0552 95358 500
2213 6552 35344 845
2314 2821 72630 563
2414 9381 07015 625
2515 6253830

How the payment is calculated

Most mortgages and consumer loans are repaid in equal monthly instalments (an annuity). Each payment first covers the interest on what you still owe, and the rest reduces the debt — so early payments are mostly interest and later ones mostly principal.

Loan-to-value (LTV) is the loan as a share of the price. Lenders usually offer better rates below 80% LTV, and some require mortgage insurance above it.

Ways to pay less

  • Compare the annual percentage rate (APR) from several lenders, not just the headline rate — the APR includes fees.
  • A bigger down payment lowers both the payment and the total interest, and often gets a better rate.
  • Even a small extra payment each month can take years off the loan — check whether your lender charges for early repayment.
  • Keep a cushion: rates, taxes and insurance can change, and a fixed rate usually lasts only for a set period.

The results are estimates for guidance only. A lender's offer depends on your credit history, fees, insurance and local rules — always check the final figures with the lender.

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