Loan & Mortgage Calculator
for the US, Germany & UK
Calculate your payments, visualize the amortization schedule, compare scenarios side-by-side, and export your data. Free, private, no sign-up required.
Choose Your Country
Each calculator is tailored to local mortgage markets
United States
USD ($)
Calculate mortgage payments, PMI, and compare loan scenarios with US-specific rates and conforming loan limits.
- 30/15-year fixed & ARM
- PMI calculations
- Conforming loan limits
- FHA & VA loan info
Germany
EUR (€)
Loan calculator with amortization schedule, extra payments, and fixed-rate periods. Germany-specific rates and purchase costs.
- Fixed-rate 5–20 years
- Extra payments (Sondertilgung)
- Purchase closing costs
- ECB reference rates
United Kingdom
GBP (£)
Mortgage calculator with overpayments, stamp duty, and UK-specific rate information. Compare fixed, tracker, and variable deals.
- 2/5/10-year fixed deals
- Overpayment modelling
- Stamp Duty SDLT
- SVR & tracker rates
Features
Visual Amortization
Interactive charts and detailed tables for your repayment progress.
Scenario Comparison
Compare up to 6 scenarios side-by-side with different terms and rates.
Country-Specific Rates
Current reference rates and country-specific info on taxes and fees.
How the Calculator Works
Get a complete picture of your loan in four simple steps
Enter Your Loan Details
Start by entering your loan amount, annual interest rate, and loan term. The calculator instantly computes your monthly payment, total interest, and overall cost so you can see the full picture at a glance.
Adjust Parameters with Sliders
Fine-tune your scenario using interactive sliders for the interest rate, term length, and extra monthly payments. Watch the results update in real time as you explore different configurations.
Compare Multiple Scenarios
Create side-by-side comparisons of different loan options — for example, a 15-year vs. 30-year term or a lower rate with points vs. a higher rate. See exactly how each choice affects your total cost and monthly payment.
Review and Export Your Results
Examine the full amortization schedule month by month, then export it as a CSV file. This makes it easy to review your repayment plan in a spreadsheet or share it with your financial advisor.
Tips to Save on Your Mortgage
Practical advice to help you make smarter mortgage decisions
Shop Around for Rates
Even a small difference in interest rate can save you thousands over the life of a loan. Get quotes from at least three lenders and compare both the rate and the APR, which accounts for fees and closing costs.
Consider Shorter Loan Terms
A 15-year mortgage typically has a lower rate than a 30-year mortgage, and you pay significantly less total interest. Use the comparison tool to see the exact savings — but make sure the higher monthly payment fits your budget.
Make Extra Payments Early
Extra payments in the first few years of a loan have the greatest impact because that is when the interest portion of each payment is highest. Even small additional amounts can shave years off your loan and save thousands in interest.
Understand Your Amortization Schedule
In the early years, most of your monthly payment goes toward interest rather than principal. Reviewing the amortization schedule helps you see exactly when the balance starts to drop faster and plan extra payments accordingly.
Don't Forget Closing Costs
Closing costs and purchase fees can add 2–12% on top of the loan amount depending on your country. Factor these into your total cost calculation so you have a realistic view of what you will actually pay.
Keep an Emergency Fund
Before committing extra cash to your mortgage, make sure you have 3–6 months of living expenses saved. Financial flexibility matters — you can always make extra payments later, but you cannot easily get cash back from your home equity.
Frequently Asked Questions
Answers to the most common questions about loans and mortgages