Work out your mortgage payment and see what's left after paying it.
Enter price, down payment, rate and term: instantly see the monthly payment, total interest and how much cash you need up front. No contact details required.
Then the question that really matters: add your income and expenses and see how much you keep each month.
Monthly payment
€905per month
€212,000 borrowed3.1% rate360 payments
Amount borrowed
€212,000
20% down payment
Total interest
€113,900
over 30 years
Cash needed up front
€62,275
down payment and estimated closing costs
Total cost
€388,175
price, interest and closing costs
Payment as a share of income
30–35% is a common benchmark, not a guarantee of affordability.
31.2%
In the 30–35% caution band: affordable, but with little room.
Calculations stay in this browser. No figure is sent to a server until you choose to share. The simulation link, however, contains price, rate, term and the income you entered.
Starting numbers
Every change updates the payment and the schedule straight away.
€
€50,000€800,000
€53,000 paid up front
%
0%60%
Annual nominal rate, not the APR (TAEG).
%
0.5%8%
Only used to estimate how much of your income the payment takes.
€
€0€8,000
How the debt goes down
At first the payment is mostly interest. Year after year the principal share grows and the remaining debt falls.
PrincipalInterest
Can I afford it?
Put income, regular expenses and the mortgage together to see what's really left.
The payment is only the first number. You also need the amount borrowed, total interest, cash up front and the monthly margin.
Principal and down payment
The amount borrowed is the price minus the down payment. A bigger down payment lowers payment and interest but needs more cash now. The closing cost estimate adds 3.5% of the price for taxes, notary and appraisal.
Rate, term and interest
The calculation uses the nominal rate with French amortisation (constant payment). A longer term lowers the payment but increases interest. To compare offers, look at the APR (TAEG), which includes fees and extra costs.
Payment and income
The payment-to-income ratio is a first check, not a bank decision. The 30–35% benchmark ignores rent, loans, family expenses and the unexpected: the budget measures the margin after every expense.
Monthly payment
€905
Total interest
€113,900
Cash needed up front
€62,275
Share of income
31.2%
How the calculations work
How is the payment calculated?›
With French amortisation: the payment stays the same, but its make-up changes. Interest dominates at first, principal towards the end.
Should I enter the nominal rate (TAN) or the APR (TAEG)?›
The nominal rate, which generates the interest in the payment. The APR also includes fees and insurance: use it to compare offers, not to compute the payment.
What does the closing cost estimate include?›
3.5% of the price as a cautious estimate of notary, taxes, appraisal and arrangement fees. Real costs depend on first or second home, seller and bank.
If the payment is below 30%, will the bank approve?›
No. 30–35% is only a common benchmark. Banks also look at income stability, other debts, age, guarantees and property value.
Before you sign. Always compare APR, fees, insurance and contract terms. This tool gives orders of magnitude; it doesn't replace a bank quote.