Plan your mortgage with clear assumptions and instant results
Input your price, down payment, APR, and term to see a real-time payment estimate, an amortization snapshot, and the total interest you could pay.
Security
Secure & encrypted
Data
No storage of inputs
Country starters
Ireland, UK, US, Spain, or Portugal
Each button fills example price, deposit, term, and an illustrative rate band. These are educational starters — not live bank quotes and not a promise of approval.
Illustrative 5.5–7.0% APR — educational starter, not a live bank quote
Inputs
Customize your scenario
Inline helper text and validation guide every field.
We format results instantly for your preferred currency.
Adjusts interest compounding to reflect local lending norms.
United States starter uses USD and 30-year example numbers.
Enter the purchase price before fees.
Tip: add taxes, insurance, and closing costs separately in your budget.
A $0 down payment is allowed. A higher down payment lowers monthly costs.
A 20% down payment is a common US target to avoid PMI (varies by lender).
Annual percentage rate. Try small adjustments to see impact.
Illustrative 5.5–7.0% APR — educational starter, not a live bank quote
30 years is standard in the US; 15 years builds equity faster.
Shorter terms increase monthly payments but lower total interest.
How we calculate
We apply the standard amortization formula using your country's compounding frequency. Results update instantly and are shown in your selected currency.
Results
Amortization summary
Updated live as you type. Currency: USD.
Monthly payment
$1,970
Principal + interest only
Total interest
$389,306
Over the full 30-year term
Total paid
$709,306
Principal plus all interest. Amortization below stays honest about the split.
US transfer taxes
There is no single US federal stamp duty. Some states and counties charge transfer or recording taxes. This calculator does not estimate those local costs — check the rules where the home is.
CFPB owning-a-home guideAssumptions
- No taxes, stamp duty, insurance, PMI, HOA fees, or currency fluctuations included.
- Fixed-rate loan with level payments; compounding per selected country.
- Payments made on time with no prepayments or fees.
Disclaimers
This is an educational tool, not financial advice. Confirm details with a licensed lender before committing to a loan.
Trust & transparency
We keep calculator inputs on your device and show exactly how we calculate your results. Explore the About and Privacy pages for more.
After the calculator
How the loan changes over time
This chart sits below the calculator so the monthly payment and total interest stay first. Lines show the split of each payment and the remaining balance.
- Blue: principal share of the payment
- Green: interest share of the payment
- Grey: remaining balance
Knowledge
FAQs
How do you calculate the monthly payment?
We use the standard amortization formula with country-specific compounding periods, then show the blended principal and interest portion per month.
What costs are not included?
Property taxes, stamp duty or transfer tax, homeowner insurance, HOA dues, and currency fluctuations are not included. Add those to plan your true monthly outlay.
What do the country starters do?
Ireland, UK, US, Spain, and Portugal buttons fill example price, deposit, term, and an illustrative rate band. Those rates are for education only — not live bank quotes and not a promise of approval.
Do you include stamp duty or transfer tax?
No. Where those taxes usually apply, we show a short note and a link to official guidance. We do not calculate the tax or add it to the monthly payment.
Can I compare two scenarios?
Yes. Toggle comparison mode to enter Loan B and see a side-by-side summary of monthly payments and totals.
Do you store my inputs?
No. Calculations happen in your browser. We only save a local notice preference if you dismiss the compact privacy note under the results.
Is this financial advice?
No. This tool is for education. Please speak with a licensed lender or advisor before making decisions.
Trust badges
Results update with aria-live announcements for screen readers, and all inputs include descriptive labels. This is not financial advice.