Werkery

Loan / Mortgage Calculator

Calculate monthly payments, total interest, and total cost for a fixed-rate loan or mortgage. Annuity formula. Works for any currency.

Tool by ·
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Monthly payment
954.83
Total paid
343,739
Total interest
143,739
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How it works

  1. 1
    Enter loan amount
    Principal.
  2. 2
    Rate + years
    Annual %, term in years.
  3. 3
    Read result
    Monthly + total cost.

Frequently asked

Why does total interest balloon for long loans?

Doubling the loan term doesn't double interest — it more than doubles. Most early-year payments go to interest; only later years cut principal meaningfully. A 30-year mortgage typically pays ~1.6× the home price total.

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Tool designed and editorially reviewed by Felix Brübach. Text drafted with AI assistance and reviewed for legal and factual accuracy before publication. Not legal advice — for complex cases, consult a lawyer.
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