📈 Estimate a Euribor-based mortgage: monthly payment, applied rate, and amortization table. Set principal, term, and margin.
Enter outstanding principal, remaining term, Euribor and margin to estimate the new payment, cost until the next review and amortization schedule. Euribor is not auto-updated: type the value you want to simulate.
It does not include fees, insurance, discounts, contractual rounding, variation limits or specific deed clauses. If your contract has a floor rate, enable it manually.
| Month | Monthly payment | Interest | Principal | Balance |
|---|
| Rate change | Annual rate | Monthly payment |
|---|
It uses the French amortization method: constant payment for the rate entered, with interest calculated on the outstanding balance. It is useful for Euribor-linked mortgages and manual scenarios before the bank review.
It does not include fees, insurance, discounts, contractual rounding, variation limits or specific deed clauses. If your contract has a floor rate, enable it manually.
Enter the real outstanding principal, remaining term, reference Euribor and your margin. If you know your current payment or previous rate, the tool estimates the difference.
No. To avoid stale data, Euribor is entered manually so you can simulate any date or scenario.
Not necessarily. Banks may apply rounding, discounts, insurance, fees, floors or contract-specific rules not included here.
Yes, reasonable negative values are accepted because Euribor has been negative. Extreme ranges are blocked.
It uses French amortization, common for mortgages with a constant payment during each rate period.
Improve this calculator
Send us the example so we can review this calculator and turn real cases into improvements or automated tests.
