calculatorHypothekenrechner
Schätzen Sie Ihre monatliche Rate, die Gesamtzinsen und die Gesamtkosten. Passen Sie Darlehen, Laufzeit und Zinssatz an — jede Zahl aktualisiert sich beim Tippen.
payment = if(rate == 0, loan / (years * 12), loan * (rate / 1200) / (1 - pow(1 + rate / 1200, -years * 12)))
No — it calculates principal and interest only. Your lender's full monthly payment adds property tax, homeowner's insurance and possibly mortgage insurance on top.
The maths assumes one fixed rate for the whole term. If your mortgage is variable, re-run the numbers whenever the rate changes.
With the standard amortization formula — the same one shown under How it works — from the loan amount, the monthly interest rate and the number of monthly payments.
Interest accrues on the outstanding balance every month. A shorter term repays that balance faster, so there are fewer months of interest to pay — a higher monthly cost, but a much lower lifetime cost.
Versionsverlauf (1 Version)
- v1 7 Jul 2026
Used this to compare a 25 vs 30 year term. Really clear how much interest the extra years cost.
Melden
Would love an overpayment field next, but the core numbers are spot on.
Melden
Matched my bank’s offer letter to the penny — finally a calculator I trust.