Mortgage Simulator

Estimate your monthly mortgage payment, the cash you need to close the deal, and how much of it goes to interest. Everything runs locally in your browser — no data is sent anywhere.

Parameters

Property

Property price (€)

Bank financing (%)

Loan

Term (years)

Nominal annual interest rate (%)

Extra repayments

Extra payment (€)

Frequency

My situation

Net monthly salary (€)

Available savings (€)

Fees & taxes

Region (Spain)

Transfer tax / VAT (%)

Notary & registry (% of price)

Paperwork fee (€, fixed)

Appraisal (€, fixed)

Minimum post-closing cushion (€)

Results

Financial summary

Monthly payment— of salary —

Financed capital— of price —

Total interest— of capital —

Total costcapital + interest —

Cash requireddown payment + fees + cushion —

Actual cushionafter closing costs —

Available savings vs. cash required —

Cost breakdown

Transfer tax / VAT—

Notary & registry—

Paperwork fee—

Appraisal—

Debt-to-income ratio—

Down payment required—

Early repayment

Add an extra payment in the parameters above to see its impact.

Interest vs. principal

For reference, here is how the total cost of the loan splits between interest and principal, year by year.

Results are for guidance only and do not constitute financial advice.