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Mortgage Calculator – Monthly Mortgage Payments

Use this mortgage calculator to estimate your monthly mortgage payment and see how your balance falls over the years.

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Total interest
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Total to repay

Year Repaid Interest Remaining debt
Runs in your browser – your data never leaves your device Also available via our free API

How to use the Mortgage Calculator

  1. 1 Choose an annuity loan (fixed monthly payment) or a linear loan (fixed repayment).
  2. 2 Enter the loan amount, the annual interest rate and the term in years.
  3. 3 Read the monthly payment, the total interest and the yearly overview of repayments and remaining debt.

Monthly cost of a mortgage

A €300,000 mortgage at 3.8% over 30 years costs €1,397.87 a month as an annuity (repayment) mortgage – about €203,000 in interest over the full term. At 4.8% the same mortgage costs €1,574 a month and €266,600 in interest: one percentage point adds roughly €176 a month.

Annuity vs. linear mortgage

With a linear mortgage the first payment is higher (€1,783 in the example above) but it falls every month, ending at around €836, and total interest drops to about €171,500. The annuity mortgage keeps payments level, which is easier when your income is fixed.

What’s not included

The gross payment shown here excludes property taxes, insurance, maintenance and any tax relief on mortgage interest, which differs by country. Interest rates are usually fixed only for a period, after which the payment can change. Ask a mortgage adviser for a binding calculation.

Frequently asked questions

How much is the monthly payment on a €300,000 mortgage?

At 3.8% over 30 years as an annuity mortgage, about €1,398 a month before taxes and insurance.

What happens if the interest rate goes up?

Payments rise at the end of the fixed-rate period. Use the calculator with a higher rate to see the effect.

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