What does your home cost per month?
Enter price, down payment, interest and repayment and instantly see your monthly payment, the balance after the fixed-rate period and the total term. No sign-up, no cloud — everything runs on your device.
Mortgage calculator
Carry the property and financing into Kontoo — with payoff plan, net-worth overview and forecast, all private on your device.
FAQ
About mortgages
How much down payment do I need?
As a rule of thumb cover at least the closing costs (around 10 % of the price) from your own funds, ideally another 10–20 % of the price. The more you put down, the smaller the loan and the lower the payment and interest cost.
What are closing costs?
On top of the price come property transfer tax, notary and land-registry fees and possibly an agent commission. Together these are often 9 to 12 % of the price – set as a single percentage in the calculator.
What are interest rate, repayment and fixed-rate period?
The interest rate is charged per year. The initial repayment rate sets how fast you pay the loan down. Interest plus repayment make up the annual annuity (your monthly payment). The fixed-rate period is how long the rate is locked – afterwards a remaining balance is refinanced.
Is my data stored?
No. The calculator runs entirely on your device – no account, no cloud, no tracking. There is no server that sees your input.
Your data stays with you. Period.
Kontoo collects, sees and stores none of your data. No account, no cloud, no trackers, no ads – this calculator too runs only on your device.