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Home>All tools>Mortgage calculator
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Mortgage calculator

Full amortisation: fixed or variable rate, prepayment and higher payments from a chosen month.

Browse rentalsAll toolsView pricingWhy DO-RentalsList your place

LOAN INPUTS

Enter price, down payment, term and rate. Use extras for prepayment or higher payments later.

PAYMENT SUMMARY

Total paid includes principal and interest. Interest is the cost of the loan (overpayment vs cash purchase).

Loan amount€304,000
First payment€1,874.38
Last payment€1,874.38
Months to payoff240
Total paid€449,850.01
Total interest€145,850.01

SCHEDULE

Month-by-month breakdown: payment, interest, principal, remaining balance. Year view aggregates by loan year.

MonthYearRate % p.a.PaymentInterestPrincipalBalance
114.2%€1,874.38€1,064€810.38€303,189.62
214.2%€1,874.38€1,061.16€813.21€302,376.41
314.2%€1,874.38€1,058.32€816.06€301,560.36
414.2%€1,874.38€1,055.46€818.91€300,741.44
514.2%€1,874.38€1,052.6€821.78€299,919.66
614.2%€1,874.38€1,049.72€824.66€299,095.01
714.2%€1,874.38€1,046.83€827.54€298,267.46
814.2%€1,874.38€1,043.94€830.44€297,437.02
914.2%€1,874.38€1,041.03€833.35€296,603.68
1014.2%€1,874.38€1,038.11€836.26€295,767.42
1114.2%€1,874.38€1,035.19€839.19€294,928.23
1214.2%€1,874.38€1,032.25€842.13€294,086.1
1324.2%€1,874.38€1,029.3€845.07€293,241.03
1424.2%€1,874.38€1,026.34€848.03€292,393
1524.2%€1,874.38€1,023.38€851€291,542
1624.2%€1,874.38€1,020.4€853.98€290,688.02
1724.2%€1,874.38€1,017.41€856.97€289,831.05
1824.2%€1,874.38€1,014.41€859.97€288,971.09
1924.2%€1,874.38€1,011.4€862.98€288,108.11
2024.2%€1,874.38€1,008.38€866€287,242.11
2124.2%€1,874.38€1,005.35€869.03€286,373.09
2224.2%€1,874.38€1,002.31€872.07€285,501.02
2324.2%€1,874.38€999.25€875.12€284,625.89
2424.2%€1,874.38€996.19€878.18€283,747.71
2534.2%€1,874.38€993.12€881.26€282,866.45
2634.2%€1,874.38€990.03€884.34€281,982.11
2734.2%€1,874.38€986.94€887.44€281,094.67
2834.2%€1,874.38€983.83€890.54€280,204.13
2934.2%€1,874.38€980.71€893.66€279,310.47
3034.2%€1,874.38€977.59€896.79€278,413.68
3134.2%€1,874.38€974.45€899.93€277,513.75
3234.2%€1,874.38€971.3€903.08€276,610.68
3334.2%€1,874.38€968.14€906.24€275,704.44
3434.2%€1,874.38€964.97€909.41€274,795.03
3534.2%€1,874.38€961.78€912.59€273,882.44
3634.2%€1,874.38€958.59€915.79€272,966.65
3744.2%€1,874.38€955.38€918.99€272,047.66
3844.2%€1,874.38€952.17€922.21€271,125.45
3944.2%€1,874.38€948.94€925.44€270,200.01
4044.2%€1,874.38€945.7€928.67€269,271.34
4144.2%€1,874.38€942.45€931.93€268,339.41
4244.2%€1,874.38€939.19€935.19€267,404.23
4344.2%€1,874.38€935.91€938.46€266,465.77
4444.2%€1,874.38€932.63€941.74€265,524.02
4544.2%€1,874.38€929.33€945.04€264,578.98
4644.2%€1,874.38€926.03€948.35€263,630.63
4744.2%€1,874.38€922.71€951.67€262,678.96
4844.2%€1,874.38€919.38€955€261,723.96
4954.2%€1,874.38€916.03€958.34€260,765.62
5054.2%€1,874.38€912.68€961.7€259,803.93
5154.2%€1,874.38€909.31€965.06€258,838.87
5254.2%€1,874.38€905.94€968.44€257,870.43
5354.2%€1,874.38€902.55€971.83€256,898.6
5454.2%€1,874.38€899.15€975.23€255,923.37
5554.2%€1,874.38€895.73€978.64€254,944.73
5654.2%€1,874.38€892.31€982.07€253,962.66
5754.2%€1,874.38€888.87€985.51€252,977.15
5854.2%€1,874.38€885.42€988.96€251,988.2
5954.2%€1,874.38€881.96€992.42€250,995.78
6054.2%€1,874.38€878.49€995.89€249,999.89
6164.2%€1,874.38€875€999.38€249,000.52
6264.2%€1,874.38€871.5€1,002.87€247,997.64
6364.2%€1,874.38€867.99€1,006.38€246,991.26
6464.2%€1,874.38€864.47€1,009.91€245,981.35
6564.2%€1,874.38€860.93€1,013.44€244,967.91
6664.2%€1,874.38€857.39€1,016.99€243,950.93
6764.2%€1,874.38€853.83€1,020.55€242,930.38
6864.2%€1,874.38€850.26€1,024.12€241,906.26
6964.2%€1,874.38€846.67€1,027.7€240,878.56
7064.2%€1,874.38€843.07€1,031.3€239,847.26
7164.2%€1,874.38€839.47€1,034.91€238,812.35
7264.2%€1,874.38€835.84€1,038.53€237,773.82
7374.2%€1,874.38€832.21€1,042.17€236,731.65
7474.2%€1,874.38€828.56€1,045.81€235,685.83
7574.2%€1,874.38€824.9€1,049.47€234,636.36
7674.2%€1,874.38€821.23€1,053.15€233,583.21
7774.2%€1,874.38€817.54€1,056.83€232,526.38
7874.2%€1,874.38€813.84€1,060.53€231,465.85
7974.2%€1,874.38€810.13€1,064.24€230,401.6
8074.2%€1,874.38€806.41€1,067.97€229,333.63
8174.2%€1,874.38€802.67€1,071.71€228,261.92
8274.2%€1,874.38€798.92€1,075.46€227,186.47
8374.2%€1,874.38€795.15€1,079.22€226,107.24
8474.2%€1,874.38€791.38€1,083€225,024.24
8584.2%€1,874.38€787.58€1,086.79€223,937.45
8684.2%€1,874.38€783.78€1,090.59€222,846.86
8784.2%€1,874.38€779.96€1,094.41€221,752.45
8884.2%€1,874.38€776.13€1,098.24€220,654.21
8984.2%€1,874.38€772.29€1,102.09€219,552.12
9084.2%€1,874.38€768.43€1,105.94€218,446.18
9184.2%€1,874.38€764.56€1,109.81€217,336.37
9284.2%€1,874.38€760.68€1,113.7€216,222.67
9384.2%€1,874.38€756.78€1,117.6€215,105.07
9484.2%€1,874.38€752.87€1,121.51€213,983.56
9584.2%€1,874.38€748.94€1,125.43€212,858.13
9684.2%€1,874.38€745€1,129.37€211,728.76
9794.2%€1,874.38€741.05€1,133.32€210,595.44
9894.2%€1,874.38€737.08€1,137.29€209,458.15
9994.2%€1,874.38€733.1€1,141.27€208,316.87
10094.2%€1,874.38€729.11€1,145.27€207,171.61
10194.2%€1,874.38€725.1€1,149.27€206,022.33
10294.2%€1,874.38€721.08€1,153.3€204,869.04
10394.2%€1,874.38€717.04€1,157.33€203,711.7
10494.2%€1,874.38€712.99€1,161.38€202,550.32
10594.2%€1,874.38€708.93€1,165.45€201,384.87
10694.2%€1,874.38€704.85€1,169.53€200,215.34
10794.2%€1,874.38€700.75€1,173.62€199,041.72
10894.2%€1,874.38€696.65€1,177.73€197,863.99
109104.2%€1,874.38€692.52€1,181.85€196,682.14
110104.2%€1,874.38€688.39€1,185.99€195,496.15
111104.2%€1,874.38€684.24€1,190.14€194,306.01
112104.2%€1,874.38€680.07€1,194.3€193,111.71
113104.2%€1,874.38€675.89€1,198.48€191,913.23
114104.2%€1,874.38€671.7€1,202.68€190,710.55
115104.2%€1,874.38€667.49€1,206.89€189,503.66
116104.2%€1,874.38€663.26€1,211.11€188,292.55
117104.2%€1,874.38€659.02€1,215.35€187,077.2
118104.2%€1,874.38€654.77€1,219.6€185,857.59
119104.2%€1,874.38€650.5€1,223.87€184,633.72
120104.2%€1,874.38€646.22€1,228.16€183,405.56
121114.2%€1,874.38€641.92€1,232.46€182,173.11
122114.2%€1,874.38€637.61€1,236.77€180,936.34
123114.2%€1,874.38€633.28€1,241.1€179,695.24
124114.2%€1,874.38€628.93€1,245.44€178,449.8
125114.2%€1,874.38€624.57€1,249.8€177,200
126114.2%€1,874.38€620.2€1,254.18€175,945.82
127114.2%€1,874.38€615.81€1,258.56€174,687.26
128114.2%€1,874.38€611.41€1,262.97€173,424.29
129114.2%€1,874.38€606.99€1,267.39€172,156.9
130114.2%€1,874.38€602.55€1,271.83€170,885.07
131114.2%€1,874.38€598.1€1,276.28€169,608.79
132114.2%€1,874.38€593.63€1,280.74€168,328.05
133124.2%€1,874.38€589.15€1,285.23€167,042.82
134124.2%€1,874.38€584.65€1,289.73€165,753.1
135124.2%€1,874.38€580.14€1,294.24€164,458.86
136124.2%€1,874.38€575.61€1,298.77€163,160.09
137124.2%€1,874.38€571.06€1,303.31€161,856.77
138124.2%€1,874.38€566.5€1,307.88€160,548.9
139124.2%€1,874.38€561.92€1,312.45€159,236.44
140124.2%€1,874.38€557.33€1,317.05€157,919.4
141124.2%€1,874.38€552.72€1,321.66€156,597.74
142124.2%€1,874.38€548.09€1,326.28€155,271.46
143124.2%€1,874.38€543.45€1,330.92€153,940.53
144124.2%€1,874.38€538.79€1,335.58€152,604.95
145134.2%€1,874.38€534.12€1,340.26€151,264.69
146134.2%€1,874.38€529.43€1,344.95€149,919.74
147134.2%€1,874.38€524.72€1,349.66€148,570.09
148134.2%€1,874.38€520€1,354.38€147,215.71
149134.2%€1,874.38€515.25€1,359.12€145,856.59
150134.2%€1,874.38€510.5€1,363.88€144,492.71
151134.2%€1,874.38€505.72€1,368.65€143,124.06
152134.2%€1,874.38€500.93€1,373.44€141,750.62
153134.2%€1,874.38€496.13€1,378.25€140,372.37
154134.2%€1,874.38€491.3€1,383.07€138,989.3
155134.2%€1,874.38€486.46€1,387.91€137,601.39
156134.2%€1,874.38€481.6€1,392.77€136,208.62
157144.2%€1,874.38€476.73€1,397.64€134,810.97
158144.2%€1,874.38€471.84€1,402.54€133,408.43
159144.2%€1,874.38€466.93€1,407.45€132,000.99
160144.2%€1,874.38€462€1,412.37€130,588.62
161144.2%€1,874.38€457.06€1,417.31€129,171.3
162144.2%€1,874.38€452.1€1,422.28€127,749.03
163144.2%€1,874.38€447.12€1,427.25€126,321.77
164144.2%€1,874.38€442.13€1,432.25€124,889.52
165144.2%€1,874.38€437.11€1,437.26€123,452.26
166144.2%€1,874.38€432.08€1,442.29€122,009.97
167144.2%€1,874.38€427.03€1,447.34€120,562.63
168144.2%€1,874.38€421.97€1,452.41€119,110.22
169154.2%€1,874.38€416.89€1,457.49€117,652.74
170154.2%€1,874.38€411.78€1,462.59€116,190.14
171154.2%€1,874.38€406.67€1,467.71€114,722.44
172154.2%€1,874.38€401.53€1,472.85€113,249.59
173154.2%€1,874.38€396.37€1,478€111,771.59
174154.2%€1,874.38€391.2€1,483.17€110,288.41
175154.2%€1,874.38€386.01€1,488.37€108,800.05
176154.2%€1,874.38€380.8€1,493.57€107,306.47
177154.2%€1,874.38€375.57€1,498.8€105,807.67
178154.2%€1,874.38€370.33€1,504.05€104,303.62
179154.2%€1,874.38€365.06€1,509.31€102,794.31
180154.2%€1,874.38€359.78€1,514.59€101,279.71
181164.2%€1,874.38€354.48€1,519.9€99,759.82
182164.2%€1,874.38€349.16€1,525.22€98,234.6
183164.2%€1,874.38€343.82€1,530.55€96,704.05
184164.2%€1,874.38€338.46€1,535.91€95,168.14
185164.2%€1,874.38€333.09€1,541.29€93,626.85
186164.2%€1,874.38€327.69€1,546.68€92,080.17
187164.2%€1,874.38€322.28€1,552.09€90,528.08
188164.2%€1,874.38€316.85€1,557.53€88,970.55
189164.2%€1,874.38€311.4€1,562.98€87,407.57
190164.2%€1,874.38€305.93€1,568.45€85,839.12
191164.2%€1,874.38€300.44€1,573.94€84,265.18
192164.2%€1,874.38€294.93€1,579.45€82,685.74
193174.2%€1,874.38€289.4€1,584.97€81,100.76
194174.2%€1,874.38€283.85€1,590.52€79,510.24
195174.2%€1,874.38€278.29€1,596.09€77,914.15
196174.2%€1,874.38€272.7€1,601.68€76,312.48
197174.2%€1,874.38€267.09€1,607.28€74,705.19
198174.2%€1,874.38€261.47€1,612.91€73,092.29
199174.2%€1,874.38€255.82€1,618.55€71,473.74
200174.2%€1,874.38€250.16€1,624.22€69,849.52
201174.2%€1,874.38€244.47€1,629.9€68,219.62
202174.2%€1,874.38€238.77€1,635.61€66,584.01
203174.2%€1,874.38€233.04€1,641.33€64,942.68
204174.2%€1,874.38€227.3€1,647.08€63,295.6
205184.2%€1,874.38€221.53€1,652.84€61,642.76
206184.2%€1,874.38€215.75€1,658.63€59,984.14
207184.2%€1,874.38€209.94€1,664.43€58,319.71
208184.2%€1,874.38€204.12€1,670.26€56,649.45
209184.2%€1,874.38€198.27€1,676.1€54,973.35
210184.2%€1,874.38€192.41€1,681.97€53,291.38
211184.2%€1,874.38€186.52€1,687.86€51,603.53
212184.2%€1,874.38€180.61€1,693.76€49,909.76
213184.2%€1,874.38€174.68€1,699.69€48,210.07
214184.2%€1,874.38€168.74€1,705.64€46,504.43
215184.2%€1,874.38€162.77€1,711.61€44,792.82
216184.2%€1,874.38€156.77€1,717.6€43,075.22
217194.2%€1,874.38€150.76€1,723.61€41,351.61
218194.2%€1,874.38€144.73€1,729.64€39,621.97
219194.2%€1,874.38€138.68€1,735.7€37,886.27
220194.2%€1,874.38€132.6€1,741.77€36,144.5
221194.2%€1,874.38€126.51€1,747.87€34,396.63
222194.2%€1,874.38€120.39€1,753.99€32,642.64
223194.2%€1,874.38€114.25€1,760.13€30,882.51
224194.2%€1,874.38€108.09€1,766.29€29,116.23
225194.2%€1,874.38€101.91€1,772.47€27,343.76
226194.2%€1,874.38€95.7€1,778.67€25,565.09
227194.2%€1,874.38€89.48€1,784.9€23,780.19
228194.2%€1,874.38€83.23€1,791.14€21,989.05
229204.2%€1,874.38€76.96€1,797.41€20,191.63
230204.2%€1,874.38€70.67€1,803.7€18,387.93
231204.2%€1,874.38€64.36€1,810.02€16,577.91
232204.2%€1,874.38€58.02€1,816.35€14,761.56
233204.2%€1,874.38€51.67€1,822.71€12,938.85
234204.2%€1,874.38€45.29€1,829.09€11,109.76
235204.2%€1,874.38€38.88€1,835.49€9,274.27
236204.2%€1,874.38€32.46€1,841.92€7,432.35
237204.2%€1,874.38€26.01€1,848.36€5,583.99
238204.2%€1,874.38€19.54€1,854.83€3,729.16
239204.2%€1,874.38€13.05€1,861.32€1,867.84
240204.2%€1,874.38€6.54€1,867.84€0

Annuity mortgage: each month interest is charged on the remaining balance, the rest of the payment reduces principal. The scheduled payment is recalculated for the remaining term (standard repricing).

  • Loan = purchase price − down payment.
  • Fixed: annual nominal rate is constant for the whole term.
  • Variable: starting rate is the same field; once per year (from month 13) the annual rate changes by the step you enter - simplified model vs Euribor + margin in real contracts.
  • Scheduled payment uses the standard annuity formula for the remaining balance and remaining months.
  • Lump prepayment: in the chosen month the amount is added on top of the scheduled payment and goes to principal.
  • Extra monthly: from the chosen month onward a fixed euro amount is added every month to principal.
  • Total interest is the sum of interest columns - that is how much you pay the bank on top of the borrowed principal.
  • Cyprus: typical residential terms are often 15-30+ years; use presets or type any term up to 40 years.

Illustration only: real Cypriot bank products use contract margins, reference rates, fees and repricing rules. Confirm terms with your lender.