How to use AI Mortgage Calculator
What does it do?
Calculates the monthly home-finance payment and total profit/interest, with a yearly schedule.
What you need
Property price, down payment, annual rate and term.
Steps
- Enter the property price.
- Set the down-payment percentage.
- Enter the annual rate and the term in years.
- Review the results and download the CSV schedule.
What you get
Monthly payment, loan amount, total profit/interest, total paid, and a table of the remaining balance each year.
Tips for better results
- Compare two terms to see their effect on total cost.
- Results are estimates; get an official offer from the lender before deciding.
Requirements
Free for everyone, no sign-in needed. Runs in your browser and does not upload your files to any server.
Top 4 uses
1Compare offers
A buyer compares two offers with different rates.
2Set a budget
A family finds the highest price that fits its income.
3Real-estate service
An agent shows a client the expected payment instantly.
4Early repayment
An owner sees what remains after five years.
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