Mortgage calculator
Calculate monthly mortgage payments, total payment, and total interest.
This tool processes all data locally on your device.
Input
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Output
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Tool description
The Mortgage Calculator is a comprehensive financial tool that helps you calculate mortgage payments and analyze loan terms. It supports both annuity (equal monthly payments) and differentiated (decreasing payments) payment types, with options for multiple currencies and Euribor-based interest rate calculations. The calculator provides detailed payment breakdowns including total interest costs and payment schedules.
Features
- Multiple Payment Types: Calculate both annuity (fixed monthly payments) and differentiated (decreasing payment schedule) mortgages
- Multi-Currency Support: Choose from EUR, USD, GBP, CHF, and JPY with appropriate currency symbols
- Euribor Integration: Option to calculate interest rates based on current Euribor rate plus margin
- Comprehensive Results: View monthly payments, total payment amount, and total interest costs
- Payment Schedule: Detailed month-by-month breakdown for differentiated payments showing principal, interest, and remaining balance
- Real-Time Calculations: Instant updates as you modify loan parameters
- Copy Results: Easy copying of calculated values for use in other applications
- Effective Interest Rate Display: Shows the combined rate when using Euribor + margin
Use cases
- Home Buyers: Compare different mortgage options and payment structures before purchasing a property
- Loan Refinancing: Evaluate potential savings by refinancing existing mortgages with different terms or rates
- Financial Planning: Budget for monthly mortgage payments and understand total loan costs over time
- Investment Analysis: Calculate carrying costs for investment properties across different financing scenarios
- Mortgage Comparison: Compare annuity vs. differentiated payment schedules to choose the best option
- International Buyers: Calculate mortgages in different currencies for overseas property purchases
- Variable Rate Loans: Use Euribor-based calculations for European variable rate mortgages
- Loan Amortization: Understand how much of each payment goes toward principal vs. interest over the loan term
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Disclaimer
The tools provided on this website are designed to assist users in solving various problems. While we strive to ensure that the tools are accurate and effective, we do not guarantee or warrant that the output of any tool will be 100% accurate or error-free. The results generated by these tools are provided as-is and should be used with caution. We recommend that users verify any important information or results with additional resources or professional advice, as we cannot be held responsible for any consequences arising from the use of these tools. By using this website, you agree to assume all risks associated with the accuracy and use of the results provided.
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