Property & loan details
Additional ownership costs (editable estimates)
Extra repayments
Estimates only. Taxes, fees, insurance, interest conventions and lender rules vary by country. This tool assumes a monthly interest rate of annual rate ÷ 12; it is not a lender quote. Extra payments are applied to principal without penalty.
Your estimated costs
Estimated total cost / month (starting)
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Loan payment / month (starting)
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Estimated cash upfront
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Loan principal
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Total scheduled interest
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Other monthly ownership costs
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Payoff with extra payments
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Interest saved by extra payments
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PrincipalInterestOther costs
How interest is calculated
The default is a fully amortizing fixed-rate loan: interest for each month = remaining balance × annual interest rate ÷ 12. The balance decreases as principal is paid. This is a simplified monthly model.
Compare 15-year and 30-year loans
Uses the same loan principal and comparison rate; fixed-payment amortization, excluding taxes and other expenses. Rates may differ in reality.
Amortization schedule
| Month | Payment | Principal | Interest | Remaining balance |
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Calculations stay in your browser. No account or uploads required. Not financial advice.