Mortgage Economics & Amortization Calculator

MortGauge: Mortgage Calculator

Calculate your monthly payments, compare annuity and linear repayment models, analyze loan-to-value ratios, and explore interest savings with extra repayments.

€ 400.000
€
€ 100k € 400k € 800k € 1.5M
€ 50.000 (12.5% inbreng)
€
€ 0 € 100k € 250k € 500k
3.80 %
%
30 Years
Total payments: 360 monthly installments
€ 0 / month
€ 0 € 250 € 500 € 1.000 /mo

Payment Breakdown

Calculated monthly & total expenses
Annuity Mortgage
Monthly Payment
€ 1.631
Fixed gross / mo
Loan Principal
€ 350.000
Borrowed sum
Total Interest
€ 237.106
Over 30 years
Total Repaid
€ 587.106
Loan + Total Interest
Loan-To-Value (LTV): 87.5%
NHG Eligible (≤ € 470.000) Standard Market Tier

Mortgage Scenarios

Click any preset scenario to load typical home prices, down payments, and current loan terms

NHG
First-Time Starter
€ 360k • 100% Loan • 30y
€ 1.649 /mo
Equity
Doorstromer / Next Home
€ 550k • € 100k down • 30y
€ 2.110 /mo
Linear
Linear Repay Champion
€ 450k • € 50k down • 30y
Starts € 2.378 /mo
20 Years
Detached & 20-Year Term
€ 750k • € 150k down • 20y
€ 3.667 /mo
Fast-Free
Extra Overpayment (+€150)
€ 420k • +€150/mo extra
Save 3+ years!

Loan Balance & Payment Trajectory

Visual progress of principal reduction and interest costs over time

Year-by-Year Amortization Schedule

Annual breakdown of principal repayment, interest costs, and remaining balance
Year Start Balance Principal Paid Interest Paid Total Annual Payment End Balance
Summary copied to clipboard!

© 2026 Fresh Coders. All rights reserved.