FREE DEBT CALCULATOR
Mortgage Payment Calculator
Calculate monthly principal and interest for a fully amortizing loan.
INDICATIVE RESULT
€6,141Annual debt service€73,690
Total scheduled payments€1,842,262
Calculated directly from the assumptions shown.
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How the mortgage payment calculation works
Payment = principal × monthly rate ÷ [1 − (1 + monthly rate)^−months].
Example calculation
A €1.0m loan at 5.5% over 25 years is converted into a level monthly payment.
INVESTMENT USE
How professionals use the result
Use this for level-payment loans. Balloon structures require a separate term and maturity-balance calculation.
Common mistakes
- Using annual rate as a monthly rate
- Confusing amortization with loan term
- Ignoring fees
- Assuming the rate stays fixed when it is floating
CLEAR ANSWERS