Fixed vs variable
Short primer with a link to learn more.
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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.
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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.
Enter the purchase price before fees. Numbers only.
Tip: add taxes and fees separately in your budget.
A higher down payment lowers monthly costs.
Common target: 20% to avoid PMI (varies by lender).
Annual percentage rate. Try small adjustments to see impact.
Use your quoted APR or a conservative estimate. We include compounding automatically.
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 compounding
Monthly payment
$1,437
Principal + interest only
Total interest
$197,299
Over 30 years
Total paid
$517,299
Includes original principal
Payment breakdown
- Principal portion grows over time
- Interest share declines each payment
- Balance trends toward zero before term end
Assumptions
- No taxes, 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.
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FAQs
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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, homeowner insurance, HOA dues, and currency fluctuations are not included. Add those to plan your true monthly outlay.
Can I compare two scenarios?
Yes. Toggle comparison mode to enter a second set of inputs and see a side-by-side summary of the totals.
Do you store my inputs?
No. Calculations happen in your browser, and we only save consent preferences locally if you accept cookies.
Is this financial advice?
No. This tool is for education. Please speak with a licensed lender or advisor before making decisions.
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