Mortgage calculator

Calculate your monthly mortgage payment from purchase price, equity, term, and interest rate.

Monthly payment
€1,402
Total interest: €140,524
€
€

20.0 %

%
Tip

A longer term lowers the monthly payment but raises total interest. Extra repayments help — most Austrian mortgages allow ~5 % per year without prepayment penalty.

Simplified calculation. Not financial, tax, or legal advice. · As of 04/2026

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How is this calculated?

Annuity formula — the standard calculation used by Austrian banks.

M = P × r × (1 + r)^n
        ──────────────────
         (1 + r)^n − 1

M = monthly payment
P = loan amount
r = monthly rate (annual / 12)
n = number of months (years × 12)

If financed with a mortgage, a 1.2 % pledge registration fee on the loan amount applies (see closing-costs calculator).

Monthly payment
€1,402
Total interest €140,524

Beta · METROX is in public beta. All figures are non-binding estimates. Not investment advice. Methodology