Real Estate Financing Calculator

Calculate closing costs, monthly payments, amortization schedule, and remaining debt professionally.

READY

real_estate_financing_calculator.tool

READY

Purchase price

EUR

Own capital

EUR

Interest rate p.a.

Initial repayment rate

Term

years

Extra repayment p.a.

EUR

Purchase costs

Total: 8.57% = 29.995 EUR

Land transfer tax

Notary fees

Agent commission

Other

Loan amount

309.995 EUR

Price − capital + costs

Monthly payment

1.498,31 EUR

Total interest

194.571 EUR

Total cost

504.566 EUR

Loan + interest

Remaining debt after 10 years

234.714 EUR

Fixed-rate period

Purchase costs

29.995 EUR

8.57% of the purchase price

Purchase costs in detail

Land transfer tax (3.5%)

12.250 EUR

Notary fees (1.5%)

5.250 EUR

Agent commission (3.57%)

12.495 EUR

Other (0%)

0 EUR

Repayment over time

How the price is covered

Repayment schedule

Year	Annuity	Interest	Repayment	Remaining debt
1	17.979,71 EUR	11.670,68 EUR	6.309,03 EUR	303.686 EUR
2	17.979,71 EUR	11.426,72 EUR	6.552,99 EUR	297.133 EUR
3	17.979,71 EUR	11.173,32 EUR	6.806,39 EUR	290.327 EUR
4	17.979,71 EUR	10.910,13 EUR	7.069,58 EUR	283.257 EUR
5	17.979,71 EUR	10.636,75 EUR	7.342,96 EUR	275.914 EUR
6	17.979,71 EUR	10.352,81 EUR	7.626,90 EUR	268.287 EUR
7	17.979,71 EUR	10.057,88 EUR	7.921,83 EUR	260.365 EUR
8	17.979,71 EUR	9.751,56 EUR	8.228,15 EUR	252.137 EUR
9	17.979,71 EUR	9.433,38 EUR	8.546,33 EUR	243.591 EUR
10FIXED-RATE END	17.979,71 EUR	9.102,91 EUR	8.876,80 EUR	234.714 EUR
11	17.979,71 EUR	8.759,65 EUR	9.220,06 EUR	225.494 EUR
12	17.979,71 EUR	8.403,12 EUR	9.576,59 EUR	215.917 EUR
13	17.979,71 EUR	8.032,81 EUR	9.946,90 EUR	205.970 EUR
14	17.979,71 EUR	7.648,17 EUR	10.331,54 EUR	195.639 EUR
15	17.979,71 EUR	7.248,66 EUR	10.731,05 EUR	184.908 EUR
16	17.979,71 EUR	6.833,70 EUR	11.146,01 EUR	173.762 EUR
17	17.979,71 EUR	6.402,70 EUR	11.577,01 EUR	162.185 EUR
18	17.979,71 EUR	5.955,03 EUR	12.024,68 EUR	150.160 EUR
19	17.979,71 EUR	5.490,05 EUR	12.489,66 EUR	137.671 EUR
20	17.979,71 EUR	5.007,09 EUR	12.972,62 EUR	124.698 EUR
21	17.979,71 EUR	4.505,45 EUR	13.474,26 EUR	111.224 EUR
22	17.979,71 EUR	3.984,42 EUR	13.995,29 EUR	97.228 EUR
23	17.979,71 EUR	3.443,24 EUR	14.536,47 EUR	82.692 EUR
24	17.979,71 EUR	2.881,13 EUR	15.098,58 EUR	67.593 EUR
25	17.979,71 EUR	2.297,28 EUR	15.682,43 EUR	51.911 EUR
26	17.979,71 EUR	1.690,86 EUR	16.288,85 EUR	35.622 EUR
27	17.979,71 EUR	1.060,99 EUR	16.918,72 EUR	18.703 EUR
28	17.979,71 EUR	406,76 EUR	17.572,95 EUR	1.130 EUR
29	1.133,93 EUR	3,58 EUR	1.130,35 EUR	0 EUR

// HOW IT WORKS

A mortgage is repaid as a constant annuity covering interest and principal. The tool computes the monthly payment, the amortization schedule and the remaining debt.

Formula

annuity = L · (i·(1+i)^n) / ((1+i)^n − 1)
(L = loan, i = monthly rate, n = number of payments)

Example

L = 300,000 €, 3.5%/yr (i = 0.291%/month), 30 yr (n = 360) → ≈ 1,347 €/month.

Notes

Use the monthly rate (annual ÷ 12) and n in months.
Add purchase costs (notary, tax, agent) on top of the price — often ~10–15%.