Money Narrative LogoMoney Narrative Logo
Money Narrative LogoMoney Narrative Logo
MoneyNarrative
Home

Categories

  • Financial Independence
  • Understanding Economics
  • Investing
  • Personal Growth
  • LatAm Perspective

Latest Articles

View All Articles

Advertisement

Your ad could be here

Investing

  • Savings Plan Calculator
  • Compound Interest Calculator
  • Inflation Calculator

Retirement

  • Retirement Calculator
  • Pension Gap Calculator

Credit

  • Loan Calculator
  • Mortgage Calculator
  • Real Estate Calculator

Categories

  • Credit Cards
  • Mortgages
  • Checking Accounts
  • High-Yield Savings Accounts
  • Fixed-Term Deposit Accounts
  • Depots & Brokers
  • Insurances

Latest comparisons

View all comparisons

Advertisement

Your ad could be here
About us
  1. Home
  2. Financial Calculators
  3. Mortgage Calculator
Mortgage Calculator

Mortgage Calculator

Estimate payment, interest burden, remaining balance and total cost — with fixed-rate term, amortization and extra payments.

Mortgage Calculator (Home Financing)
Calculate purchase price, ancillary costs, loan amount, monthly installment, residual debt, and the effective Annual Percentage Rate (APR) of your home financing.
400,000 €
€
80,000 €
€
3.5 %
%
4.0 %
%
2.0 %
%
10 Years
30 Years
Extra Payments
0 €
€
0 €
€
Ancillary Costs Breakdown (Total: 12.07%)
6.5 %
%
2.0 %
%
3.6 %
%
Bank Costs & Disbursement (for APR)
100.0 %
%
0 €
€
0 €
€
Financing Overview
Based on your inputs

Monthly Installment

1,688 €

New Monthly Installment (simplified): 1,401 €

Effective Annual Percentage Rate (APR)

3.78 %

Total Cost

448,280 €

Loan Amount

368,280 €

Property Transfer Tax

26,000 €

Notary & Land Register

8,000 €

Broker Commission

14,280 €

Loan-to-Value (LTV)

82.15 %

Ancillary Costs

48,280 € (12.07%)

Remaining Debt

108,932 €

Cost Distribution (Loan vs. Interest)

Principal: 57%Interest: 43%

Follow-on Financing after 10 years

Residual Debt

280,241 €

New Monthly Installment (simplified)

1,401 €

Assumed follow-on interest rate

4.00 %

Why use our financial calculators?

Easy to use

Our calculators are designed to be intuitive and require no prior knowledge of financial matters.

Transparent calculation methods

All assumptions and calculation methods are transparently presented and explained.

Free and non-binding

Use all calculators for free and without registration for your financial planning.

Frequently Asked Questions