Mortgage calculator, for any country
Monthly payment, total interest and the full amortization table. Choose your currency — the calculation is the same in every country.
| Period | Payment | Principal | Interest | Balance |
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🔒 100% private — the calculation happens on your device, nothing is uploaded to any server.
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1. Enter your details
Price, down payment, interest, term and currency.
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2. Review the result
Monthly payment, total interest and the chart update instantly.
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3. Check the amortization
Year-by-year or month-by-month table, with principal, interest and balance.
How it works
Uses the standard fixed-payment loan amortization formula (French system): you pay the same amount every month, but early on most of it goes toward interest and later most goes toward principal. This formula is universal — banks in every country use it — so you only need to change the currency for the result to make sense wherever you live.
Why it doesn't include taxes or insurance
Every country (and even every region) has its own purchase taxes, mandatory insurance, notary or administrative fees — trying to guess them all would give the wrong result for most people. That's why this calculator gives you the real cost of the loan itself, the part that is the same everywhere, and clearly warns you that you need to add those other costs for your own case.
The effect of an extra monthly payment
If you add an extra amount every month, it's deducted directly from the remaining principal (not the interest), so the loan gets shorter and you pay less interest overall. The calculator shows you exactly how much time and money you save.
Frequently asked questions
Does it work for any country?
Yes. The amortization formula it uses is the same in every country (fixed payment with monthly compound interest). You can choose the currency. What does change by country are taxes, insurance and administrative fees — this calculator doesn't include them because they vary a lot, so the result is the cost of the loan itself, not the total cost of buying a home.
Is my data uploaded to any server?
No. All the calculation happens in your browser. No data you enter is ever transmitted anywhere.
What happens if I add an extra monthly payment?
It's deducted directly from the remaining principal each month, so you pay off the loan sooner and save on interest. We show you how much time and money you save compared to paying just the regular payment.