Loan and mortgage calculator: monthly payment and interest

Enter the amount, the yearly interest rate and the number of years. The calculation uses equal monthly payments.

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Your numbers

The sum you borrow, without the down payment you pay yourself.
The yearly interest the bank offers, for example 5. For a mortgage with several tracks, enter an average rate.
How many years you repay the loan. Mortgages are usually 20 to 30 years.

The result updates as you type.

Result

Fill in the fields to see the result.

An estimate for planning only. It is not financial or tax advice.

Questions and answers

How is the monthly payment calculated?

With the standard formula for equal monthly payments (amortization): at first most of the payment is interest, and over time more of it goes to the principal.

Does it include fees and insurance?

No. Banks may add fees, insurance or a variable rate, so the real payment can be different. Use the result to compare and plan.

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