🏠 Loan & Mortgage Calculator

See your monthly payment, total interest and a full yearly breakdown — free, instant, no sign-up. Currency defaults to EUR for European borrowers.

Typical Eurozone fixed mortgage rates in 2026 sit roughly between 3% and 4.5%.
Formula: fixed annuity payment = P × r ÷ (1 − (1 + r)^(−n)), where r is the periodic rate and n the number of payments. Estimates only — lenders also apply fees, insurance and their own APR rules.

🇪🇺 Mortgage rates in Europe (2026)

In the Eurozone, most buyers fix for 10–20 years; in the UK and Scandinavia, 2–5 year fixes refinanced regularly are common. A 1% rate difference on a €250,000 loan over 25 years changes the total interest by tens of thousands of euros — always compare the APR, not just the headline rate.

How to use

  1. Enter the loan amount, currency, annual interest rate and term.
  2. Choose monthly, quarterly or yearly payments and click Calculate.
  3. Read your payment, total interest and the year-by-year amortisation table.

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