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Mortgage calculator

Work out the monthly payment on a mortgage, the total interest and the full repayment schedule. Free mortgage calculator online: enter the loan amount, rate and term, and add an extra monthly payment to see how much sooner you are done. It runs in your browser.

How to calculate a mortgage payment

  1. 1Enter "Loan amount", the yearly rate and the term
  2. 2Add an extra monthly payment if you like
  3. 3Read the payment, the total interest and the schedule
  4. A monthly payment, a balance chart and a yearly schedule.

What you get

  • Nothing is uploaded.The sum runs in your browser. Your numbers are never sent anywhere.
  • Interest and principal split.The table shows both for every year, with the balance left.
  • Extra payments shown.See the time and the interest an extra payment saves.

What you can do

  • Get the monthly payment for a fixed rate over 1 to 50 years.
  • See the total interest, the total paid and when the balance reaches zero.
  • Add an "Extra payment each month" and see the interest saved and the shorter term.
  • Follow the balance in a chart, year by year.
  • Download the yearly schedule as a CSV file.
  • Choose Euro, US dollar, Pound or Swiss franc.

Good to know

  • The rate is fixed for the whole term. Fees, insurance and taxes are not included.
  • The tool shows yearly totals. The payment itself is monthly.
  • It is not a loan offer, and your bank's figures can differ.
  • It is an estimate from your own numbers, not financial, tax or investment advice.

Questions

How is the monthly payment calculated?

As an annuity: a fixed payment each month that covers the interest on the balance and part of the principal, so the loan ends at zero after the term.

What does an extra payment do?

It goes straight to the principal each month. The balance falls faster, so you pay less interest and finish earlier. The tool shows both.

Can I use a rate of 0%?

Yes. Then the payment is the amount divided by the number of months.

Is my data sent to a server?

No. The calculation happens in your browser.

Related tools

How it works

Small tools that run in your browser.

Four steps

  1. Start with a file or a task

    Drop a file, search, or pick a task.

  2. The tool opens in a window

    Open as many as you like, side by side as tabs.

  3. Results collect on the right

    Drag a result into the next tool.

  4. Save when you're done

    Saved files go to your downloads.

Who uses what

Tool sets for common jobs.

Put a tool on your home screen

The icon opens that tool, like an app.

iPhone and iPad

  1. Open the tool in Safari.
  2. Tap Share (the square with the arrow).
  3. Choose “Add to Home Screen”, then Add.

Android

  1. Open the tool in Chrome.
  2. Tap the menu (⋮) at the top right.
  3. Choose “Add to Home screen” or “Install app”.

Computer

  1. Open the tool in Chrome or Edge.
  2. Click the install icon in the address bar.
  3. Choose Install.

Skills

Claude skills we use ourselves, one job each.