Mortgage Calculator: Payments, Fees and Country Rules
mortgagecalculator.siten.co runs the annuity formula, then adds what most calculators leave out: the purchase taxes, notary and registry fees that cannot be borrowed — itemised for twelve markets.
The calculator
One equation produces the monthly payment; everything else follows from repeating one subtraction each month. The site shows the arithmetic rather than hiding it, and then shows the part that decides affordability in practice — the cash due on completion day.
- Calculators by country
- the United Kingdom
- the United States
- Germany
- Türkiye
- How a Mortgage Calculator Works: The Formula, Shown
- How Mortgage Interest Is Calculated, Month by Month
What you can borrow
Two applicants with identical incomes routinely get different answers, and the reason is usually the ratios rather than the salary.
- How Much Can I Borrow? What the Lender Is Actually Calculating
- Deposit and LTV: Why the Bands Matter More Than the Amount
- Debt to Income: The Ratio That Decides More Applications Than Salary
- First-Time Buyer Mortgages: The Schemes, and the Catches
Comparing two offers
The headline rate is the number everybody compares and the one least likely to decide what they pay. APR, the reversion rate and the early repayment charge do more of the work.
- APR and Fees: Why the Cheapest Rate Is Often the Expensive Deal
- Fixed or Variable? The Decision Is About Your Budget, Not the Market
- Repayment or Interest-Only? What You Owe at the End
- Mortgage Terms Explained: The Words on Every Offer
Once you have a mortgage
Overpayment, refinancing and term length are the three levers that still move the total after the deal is signed.
- When Refinancing Is Worth It: The Break-Even Calculation
- Overpaying Your Mortgage: What It Actually Saves
- How Long Should a Mortgage Be? The Term Trade-Off
- Mortgages Around the World: Why Advice Does Not Translate
Where to start
Run the calculator for your country first, then read the guide that explains the figure it produced.
Frequently asked questions
What does this mortgage calculator include that others do not?
The purchase costs. Most calculators return the loan repayment and stop, but transfer tax, notary and registry fees, agent commission and lender fees add anywhere from two to ten per cent of the price depending on the country, and they usually cannot be borrowed — they have to be found in cash alongside the deposit. The calculator itemises them per market, along with local rules such as mandatory amortisation or compulsory borrower insurance.
Which countries are covered?
Twelve markets: the United States, the United Kingdom, Germany, France, Spain, Italy, the Netherlands, Poland, Portugal, Sweden, India and Turkey. Each carries its own typical rate, term, deposit convention and fee schedule, because mortgage advice does not translate across borders.
Will the figure match what my bank offers?
It will be close on the repayment and different on the total, for predictable reasons: banks quote APR, which includes fees, while the formula uses the nominal rate; compulsory insurance is added to the payment in several markets; and the rate advertised online is the best band, not necessarily the one you are offered. A calculator gives you the shape of the deal and the questions to ask; only a lender's binding illustration gives you the deal.