Mortgage Calculator

Work out monthly payments, total interest, and how overpayments change your payoff time. Clear, calm, and practical.

Your mortgage
Warm and simple
Optional, but useful for context.
Home price minus deposit gives your loan.
If you enter home price and deposit, we can auto-fill this.
Typical UK terms are 20-35 years.
Nominal annual rate (APR-like input).
Set to 0 if you do not plan to overpay.
Interest-only does not pay down the balance.
If On, changing price or deposit updates loan amount.

Assumption: interest is calculated monthly on the remaining balance.

Your result
25 years

Estimated monthly payment

£0

Total paid

£0

Total interest

£0

Payoff time

-

Balance and interest over time
Balance Cumulative interest
Tip: overpayments reduce interest and shorten the term.
Year by year breakdown
Year Balance Paid that year Interest that year Cumulative interest

This is a simple model. Real mortgages can vary due to rate changes, fees, and lender rules.