Mortgage inputs
EUR
years
Does not include fees, insurance, discounts, contractual rounding or special clauses. Use manual data and verify the result with your lender.
Variable-rate mortgage calculator
🏠 Model a variable-rate mortgage with rate resets: initial payment, applied rate, and full amortization schedule. Set principal and term.
Variable-rate mortgage calculator
Estimate the current payment until the next reset and the revised payment after the index changes. You can use Euribor, SARON, SOFR, SONIA, TONA or any manual reference index.
Results
Current applied rate—
Rate after reset—
Estimated current payment—
Revised payment—
Monthly difference—
Cost until reset—
Balance at reset—
Projected interest—
Projected total paid—
Months after reset—
First 18 months
| Mes | Payment | Interés | Capital | Balance | Annual rate |
|---|
Sensitivity of the next index
| Index change | Annual rate | Payment |
|---|
What this tool calculates
It uses French amortization and splits the projection into two periods: current rate until reset and expected rate after that reset.
Difference from the Euribor calculator
The Euribor calculator focuses on one index. This tool is general: it works with any editable variable reference and compares the jump between periods.
How to use it well
Enter the real outstanding balance, remaining term, current index, index you want to simulate at reset, and your contractual spread.
Does it include live Euribor or other index values?
No. Index values are entered manually to avoid stale data and to allow custom scenarios.
What if my mortgage has a floor or cap?
You can enable a floor, a cap or both. The tool applies those limits to the nominal rate index + margin.
Will the payment match my bank exactly?
It may differ because of rounding, discounts, insurance, fees, reset calendars or contract-specific terms.
Which amortization method is used?
It uses French amortization: constant payment within each rate period, with interest calculated on the outstanding balance.
Improve this calculator
Found an error or missing a feature?
Send us the example so we can review this calculator and turn real cases into improvements or automated tests.
