Global Mortgage Calculator

Estimate your mortgage payment, total interest, and full housing cost with country-specific structures. Fixed-rate annuity (US, Germany, France, Finland, Portugal, etc.), variable-rate with rate resets (Spain, Italy, Greece, Eastern Europe), and interest-only / mixed (Netherlands, UK).

Tip: Country selection changes the underlying lender-style math while keeping a consistent interface.
Important: This calculator uses lender-style amortization logic for fixed-rate, variable-rate with explicit rate resets, and interest-only structures. Actual lender offers may include margins, caps, floors, fees, and rounding rules not fully modeled here. Use this as a planning tool and compare with real quotes.

Mortgage formulas

The Global Mortgage Calculator uses standard amortization formulas and segmented schedules to approximate lender behavior for fixed-rate, variable-rate, and interest-only mortgages.

Fixed-rate / annuity (US, Germany, France, etc.)

Payment (M) = P × [ r / (1 − (1 + r)^(-n)) ]

P = loan amount
r = periodic interest rate
n = total number of payments

Variable-rate segments (Spain, Italy, Greece, etc.)

For each reset segment:
  Use remaining balance as P
  Use segment rate as r
  Use segment length as n
  Recalculate payment

Interest-only + amortizing tail (Netherlands, UK)

Interest-only period:
  Payment ≈ Balance × periodic rate (+ extra principal if entered)

Amortizing period:
  Use remaining balance and remaining term in fixed-rate formula
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Information on this site is for educational purposes only and is not financial, tax, or legal advice. Calculations are estimates and may not reflect actual results. See our Privacy Policy and Disclaimer.