Mortgage Calculator

Calculate mortgage payment: down payment (amount or %), monthly payment, total interest, and a detailed schedule. Supports annuity and decreasing payment types.

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Enter data

Finance

Property price

Object price (apartment/house). Base currency: ₴ (UAH).

Down payment mode

Choose amount or percent of the property price.

Down payment (amount or %)

Example: 400 000 ₴

Loan amount (auto)

Auto: property price − down payment.

Annual rate

Term

In years (will be converted to months).

Payment type

Start date

Used for dates in the schedule.

One-time fee (optional)

Monthly costs (optional)

Result

CalcCore

Enter property price, down payment, annual rate and term.

Payment schedule (open)

Currency:

#	Date	Payment (₴)	Interest (₴)	Principal (₴)	Costs (₴)	Balance (₴)

How does the mortgage calculator work?

CalcCore mortgage calculator helps you estimate your loan: monthly payment, total interest, total cost, and how the payment schedule looks over time.

Enter the property price, choose a down payment (amount or %), set the annual rate and the term in years. The calculator determines the loan amount as “price − down payment” and builds the schedule for the full term.

Annuity vs decreasing payments — which is better?

Annuity — the monthly payment is almost the same each month. Easier for budgeting.
Decreasing — principal is repaid evenly and interest decreases with the balance. First months are higher, but total interest is often lower.

Why does down payment matter?

The bigger the down payment, the smaller the loan amount, the lower the payment and the total interest. You can calculate down payment as a fixed amount or as a percentage (%) of the price.

FAQ

How to enter down payment correctly?

Choose mode ₴ or %. The “Down payment” field adapts to the mode and automatically recalculates the loan amount.

What is included in “Total (payments + costs)”?

All principal + interest payments, plus one-time fee (if set) and monthly costs (if set).

Why can it differ from a bank calculation?

Banks may use different rounding rules, day-count conventions, internal fees and exact debit dates. This calculator provides a mathematically correct estimate based on your inputs.

Can I download the payment schedule?

Yes — click “Download CSV”. The file opens in Excel or Google Sheets.