Mortgage calculator
Enter the home price, your down payment and the costs, and get your real monthly payment, like a real-estate portal, but with no signup.
The down payment plus taxes and closing costs (transfer tax or VAT, notary, registration, agency…) is what you need saved. The rest is what you finance with the mortgage.
Amortization table (yearly)
| Year | Yearly payment | Interest | Principal | Remaining |
|---|
How it works
Price and savings
The home price and how much you put in as a down payment.
Costs, term and rate
The % of taxes and closing costs, the years and the rate.
Payment and table
Your payment, what you finance and the year-by-year amortization.
How to understand your mortgage
The payment of an amortizing mortgage is constant, but its makeup changes: at the start most of what you pay is interest and very little principal; over the years it flips. That's why paying it down early in the first years saves the most interest.
This calculator gives you the monthly payment, the total interest you'll pay and the year-by-year table. Keep in mind it assumes a fixed rate and does not include insurance, fees or taxes, which are added separately.
Frequently asked questions
Quick answers to the most common questions about this tool.
How is the monthly payment calculated?
Is the interest fixed or variable?
Does it include closing costs and taxes?
How much do I need saved to buy?
What is the amortization table?
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