Mortgage calculator
Monthly payment & total cost of credit
Enter the amount borrowed, the rate, the term and the insurance: you get the monthly payment, the total cost of interest and insurance, and a year-by-year amortisation schedule. Everything is worked out in your browser.
Principal financed by the bank, excluding your down payment.
Loan rate (excluding insurance). 2026 market benchmark ≈ 3.3% over 20 years.
Repayment period (HCSF cap: 25 years, 27 years where works are involved).
Annual rate of the insurance. 2026 benchmark: bank group policy ≈ 0.30–0.42%, external policy ≈ 0.10–0.20%.
- Total monthly payment (1st instalment)
- 1 216,59 €
- Loan + insurance, flat over the whole term.
Breakdown of the monthly payment
- Loan instalment
- 1 159,92 €
- Insurance (flat)
- 56,67 €
- Over 240 instalments
- 20 years
Total cost of the loan
- Interest cost
- 78 381 €
- Insurance cost
- 13 600 €
- Total cost (interest + insurance)
- 91 981 €
- Everything repaid (principal included)
- 291 981 €
- Approximate all-in annual rate
- 4,12 %
Amortisation summary (by year)
| Year | Principal | Interest | Insurance | Outstanding |
|---|---|---|---|---|
| 1 | 7 031 € | 6 888 € | 680 € | 192 969 € |
| 2 | 7 281 € | 6 638 € | 680 € | 185 688 € |
| 3 | 7 540 € | 6 379 € | 680 € | 178 148 € |
| 4 | 7 808 € | 6 111 € | 680 € | 170 339 € |
| 5 | 8 086 € | 5 833 € | 680 € | 162 253 € |
| 6 | 8 374 € | 5 545 € | 680 € | 153 879 € |
| 7 | 8 671 € | 5 248 € | 680 € | 145 208 € |
| 8 | 8 980 € | 4 939 € | 680 € | 136 228 € |
| 9 | 9 299 € | 4 620 € | 680 € | 126 929 € |
| 10 | 9 630 € | 4 289 € | 680 € | 117 299 € |
| 11 | 9 973 € | 3 946 € | 680 € | 107 326 € |
| 12 | 10 327 € | 3 592 € | 680 € | 96 999 € |
| 13 | 10 695 € | 3 224 € | 680 € | 86 304 € |
| 14 | 11 075 € | 2 844 € | 680 € | 75 230 € |
| 15 | 11 469 € | 2 450 € | 680 € | 63 761 € |
| 16 | 11 877 € | 2 042 € | 680 € | 51 884 € |
| 17 | 12 299 € | 1 620 € | 680 € | 39 585 € |
| 18 | 12 737 € | 1 182 € | 680 € | 26 848 € |
| 19 | 13 190 € | 729 € | 680 € | 13 659 € |
| 20 | 13 659 € | 260 € | 680 € | 0 € |
An estimate, not advice
Indicative estimate, not a contractual offer — the actual terms depend on your own situation and are set by the institution or the tax authority. Check with a professional.
Indicative estimate, not a contractual offer. The “approximate all-in annual rate” is not the statutory TAEG (the French legally defined annual percentage rate): it includes neither arrangement fees, nor guarantee fees, nor any other regulated ancillary cost. Only the bank’s own loan offer is binding.
A monthly payment is negotiable
Run the calculation again with a tenth of a point off the rate, or 0.15 point off the insurance: the difference in total cost appears in euros, on your own figures. Then look at what other lenders offer.
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