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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