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Mortgage Calculator

Estimate home loan payments from property price, down payment, rate, and term — with LTV.

No account required.

Inputs

Down payment

%
%

Results

Estimated monthly payment
€1,590
Principal borrowed
€280,000
Total interest
€292,331
Total repayment
€572,331
Loan-to-value (LTV)
80.0%
Down payment
€70,000
Number of payments
360

Repayment breakdown

Principal 49% Interest 51%
  • Payment estimate uses a standard fixed-rate amortizing loan formula.
  • Loan-to-value (LTV) is about 80.0% of the property price.
  • Estimate excludes taxes, insurance, HOA fees, and country-specific lending costs unless modeled separately.

Comparing a general personal loan? Open Loan Calculator

BudgetPilot calculators are for informational and educational purposes only. Results are estimates and may differ from lender calculations due to fees, insurance, taxes, rate adjustment rules, compounding conventions, day-count methods and other contractual terms.

How mortgages work in Poland

Variable PLN loans have historically used WIBOR plus a margin. Poland is reforming benchmarks: POLSTR has been selected as the long-term successor, while WIBOR continues for many existing contracts under extended timelines. Confirm which index your contract uses and enter the combined rate manually.

How the calculation works

Loan amount is property price minus down payment. Monthly payment uses the standard amortizing formula on that principal. LTV is principal ÷ property price. Taxes, insurance, and fees are not included in the base estimate.

Country-specific modes

When you select a market, interest structures come from the shared financial-market configuration (fixed, variable, tracker, ARM concepts, Canada term vs amortization, and more). Official reference indexes are loaded only when verified; otherwise enter them manually. Your contractual rate is typically reference + lender margin.

Learn more: How loan interest rates work

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