Mortgage Calculator

The mortgage calculator lets you compute your monthly payment, total interest and full amortization schedule. Supports both annuity and differentiated payment plans.

loan-calculator

Property value

Down payment (20%)

Interest rate (%)

Term

Enter mortgage parameters

Mortgage · Annuity

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Annuity Calculation

Equal monthly payments throughout the loan term

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Differentiated Calculation

Decreasing payments with fixed principal portion

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Compare Plans

Compare annuity and differentiated schedules side by side

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Amortization Schedule

Detailed monthly breakdown: principal, interest and remaining balance

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Mortgage Calculator

Calculate mortgage with property value, down payment and LTV ratio

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Annuity Calculator Differentiated Payment Calculator | Zikrasoft

Frequently Asked Questions

01 How do I calculate my monthly mortgage payment?

Enter the loan amount, interest rate and mortgage term. The calculator will automatically compute the monthly payment, total amount paid and interest overpayment.

02 What is the optimal mortgage term?

A shorter term reduces total interest but increases the monthly payment. The optimal term is when the payment does not exceed 30-40% of household income.

03 How does the interest rate affect mortgage overpayment?

Even a small rate reduction significantly lowers total interest over long terms. For a 20-year mortgage, a 1% rate difference can save tens of thousands in interest.