CalcCalcolatore Mutuo
Ultimo aggiornamento: 2026-05-09
Il Calcolatore Mutuo è una calcolatrice finanziaria gratuita. Calcola la rata mensile, gli interessi totali e il costo totale del tuo mutuo. Pianifica le tue finanze con precisione.
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Common Sizes — Click to Fill
| principal | interest_rate | years |
|---|---|---|
| 100000 | 3.5 | 30 |
| 150000 | 4 | 25 |
| 200000 | 4.5 | 30 |
| 300000 | 5 | 30 |
| 500000 | 5.5 | 25 |
Cos'è un mortgage calculator?
The mortgage calculator lets you know in advance your monthly payment, total interest paid over the loan's life, and the total repayment amount. It's essential before signing any mortgage to compare bank offers and understand the real cost of your home loan.
Mortgage payment formula
Fixed-rate mortgages use the French amortization formula:
Payment = P × [r(1+r)^n] ÷ [(1+r)^n − 1]
- P = Loan principal (home price minus down payment)
- r = Monthly interest rate (annual rate ÷ 12)
- n = Total number of payments (years × 12)
Step-by-step example
$300,000 home, 20% down, 3.5% annual rate, 30 years.
- Principal: $300,000 × 0.80 = $240,000
- Monthly rate: 3.5% ÷ 12 = 0.2917% = 0.002917
- Number of payments: 30 × 12 = 360
- Monthly payment: ≈ $1,078/month
- Total paid: $1,078 × 360 = $388,080
- Total interest: $388,080 − $240,000 = $148,080
Factors affecting your mortgage payment
- Loan amount: Higher principal means higher payments.
- Interest rate: One percentage point more can add hundreds per month.
- Term: Longer terms reduce monthly payments but increase total interest.
- Down payment: More down (20–30%) reduces the loan and improves bank terms.
Tips to reduce your mortgage cost
- Compare at least 3–5 lenders before signing.
- Negotiate origination fees and the interest rate margin.
- Make extra payments when possible to reduce principal and interest.