🏠 Mortgage Calculator
Calculate the monthly payments of a home loan in France, including borrower insurance, the total cost of the loan and a detailed amortization schedule. Amounts are in euros and follow French lending practice.
📊 Loan Details
💰 Payment Summary
Principal vs Interest
📅 Amortization Schedule
| Period | Payment | Principal | Interest | Balance |
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About the French Mortgage Calculator
This free calculator is designed for anyone buying a home in France. It estimates the monthly payment of a fixed-rate home loan (prêt immobilier), the cost of borrower insurance (assurance emprunteur, required by French lenders) and the total cost of the loan, in euros.
Features
- Monthly Payment Calculation: Get accurate estimates of your monthly mortgage payment based on loan amount, interest rate, and term.
- Total Cost Analysis: See the complete picture including total amount paid and total interest over the life of the loan.
- Principal vs Interest Breakdown: Visual representation of how much goes to principal versus interest.
- Amortization Schedule: Detailed payment schedule showing how your balance decreases over time with yearly and monthly views.
- Down Payment and Insurance: The down payment is subtracted from the amount to finance; optional loan insurance (annual % of the initial loan) is added to the monthly payment.
- Real-time Updates: Results update automatically as you adjust the inputs.
Use Cases
- Home Buying Planning: Estimate what you can afford before shopping for a home.
- Refinancing Analysis: Compare your current mortgage with potential refinancing options.
- Budget Planning: Understand monthly payment obligations for personal budgeting.
- Loan Comparison: Compare different loan scenarios (15 vs 25 years, different rates).
- Investment Analysis: Calculate costs for investment properties and rental income planning.
How to Use
- Enter the Amount to Finance: The property price (or the amount you want to borrow if you leave the down payment at 0).
- Set Interest Rate: Your annual interest rate as a percentage (e.g., 4.5 for 4.5%).
- Choose Loan Term: How many years you'll take to repay (typically 15 to 25 years; 25 years is the maximum set by the French HCSF rules, 27 with a deferral period).
- Add Down Payment: Optional - the calculator will subtract this from the loan amount.
- Review Results: See your monthly payment, total cost, and visual breakdown.
- Explore Schedule: View yearly or monthly amortization details to see how your balance decreases.
Privacy & Security
- 100% Client-Side: All calculations happen in your browser - no data is sent to any server.
- No Data Storage: Your loan information is never saved or tracked.
- Instant Results: Fast calculations without any network requests.
- Private & Secure: Your financial planning remains completely confidential.
💡 Understanding Your Mortgage
Monthly Payment Formula: The calculator uses the standard amortization formula: M = P[r(1+r)^n]/[(1+r)^n-1], where M is monthly payment, P is principal, r is monthly interest rate, and n is number of payments.
Early Years: In the beginning, most of your payment goes toward interest. Over time, more goes to principal.
Total Interest: Shorter loan terms mean higher monthly payments but significantly less total interest paid.
Note: This calculator provides estimates. Payments are rounded to the cent and the last payment is adjusted so the balance reaches exactly zero. Insurance is calculated on the initial loan amount (insurance on the outstanding balance decreases over time). Arrangement fees, guarantee costs (caution or mortgage) and broker fees are not included, and the APR (TAEG) is not calculated.