Loans & savings
Mortgage calculator
Estimate a fixed-rate home loan from the property price and down payment, including optional monthly housing costs.
Your result
Enter your values and calculate. Changing an input clears the previous result.
How this calculation works
Fixed nominal annual interest divided by 12, with equal end-of-month payments. Payment = P × r / (1 − (1 + r)^−n). At zero interest, payment = P / n. Rates stay constant; fees, penalties and variable-rate changes are excluded. The final payment clears the remaining balance. Calculations retain precision internally; displayed and exported amounts are rounded to two decimals. Loan amount = property price − down payment. Housing total adds only the monthly costs you enter. Loan totals exclude those housing costs. No country-specific taxes, insurance rules or eligibility checks are applied.
Worked example
A property price of 300,000 and a 60,000 down payment leaves a 240,000 loan. At 6% for 360 months, principal and interest are approximately 1,438.92 per month.