Calculadora de pagaments addicionals d'hipoteca
Mira quant interès i temps estalvies pagant extra de la hipoteca cada mes.
S'executa al teu navegador. Els fitxers mai no surten del dispositiu. Mira com comprovar-ho
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Com es fa
- 1Omple els camps
Escriu els teus números o tria les opcions que necessites.
- 2Mira el resultat
La resposta s'actualitza a l'instant quan canvies un valor.
- 3Fes-lo servir
Copia el resultat o apunta'l. No s'envia res enlloc.
About this tool
Enter your mortgage balance, rate, remaining term and an extra monthly payment. The calculator shows the normal payment, total interest with and without the extra, the months saved and the new term.
How overpayments help
Extra payments go straight to the balance, so you pay less interest each following month. The effect grows over time because interest compounds on the lower balance. Even a small monthly overpayment can take years off a long loan.
Example
On a $250,000 balance at 5 percent over 25 years, an extra $200 a month saves about $41,000 in interest and shortens the loan by around 4 years.
Check first
Some loans charge for overpaying above an allowance, such as 10 percent a year. Compare with other uses of money, such as clearing high-interest debt or saving.
Exemple resolt
With the boxes at their starting values (Mortgage balance: 250000; Interest rate (%): 5; Remaining term (years): 25; Extra payment each month: 200), the tool shows: Normal monthly payment: 1,461; Interest without overpaying: 188,443; Interest with the extra: 144,011; Months saved: 62; New term (years): 19.8; Interest saved: 44,432. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.
Consells per obtenir el millor resultat
Comprova cada camp abans de fiar-te d'un resultat, perquè una sola xifra errònia canvia tota la resposta. Fes servir els números exactes d'una nòmina, factura, certificat o contracte i anota la data del càlcul. Els tipus, els llindars i les regles canvien de tant en tant, de manera que per a impostos, taxes i qüestions legals considera el resultat una estimació i contrasta'l amb la font oficial indicada en aquesta pàgina. Pots provar tants escenaris com vulguis; no es desa ni s'envia res i recarregar la pàgina buida els camps.
En resum
- Categoria: Regne Unit i EUA
- S'executa al navegador, sense registre, sense pujar res.
- La informació que introdueixes es queda al dispositiu.
- Disponible en anglès.
- Contingut revisat per última vegada:
- Font oficial: GOV.UK
Preguntes freqüents
Is there a penalty?
Some mortgages, especially fixed deals in the UK, limit penalty-free overpayments to 10 percent a year. Check your terms.
Is it better to reduce the term or the payment?
Keeping the payment and cutting the term saves the most interest.
Should I overpay or invest?
If your mortgage rate is higher than the return you expect after tax and risk, overpaying is a guaranteed saving.
Does it work for US and UK loans?
Yes. The maths is the same for any amortizing loan paid monthly.