Early Mortgage Repayment Calculator
Calculate how much interest you save by repaying your mortgage early, and choose between reducing the monthly payment or shortening the term.
Your current mortgage
Early repayment
Current payment
869,94 €
New term
18a 2m
Interest saved
9123,67 €
Estimated fee
15,00 €
Comparison
Without repaymentWith repayment
Monthly payment869,94 €869,94 €
Remaining term20a 0m18a 2m
Remaining interest58.785,50 €49.646,83 €
Outstanding balance150.000,00 €140.000,00 €
Indicative fee: Variable mortgage: 0.15% (first 3 years) or 0.25% (years 4–5), 0% from year 6. Fixed mortgage: 2% (first 10 years), 1.5% from year 11 (Law 5/2019). This calculator applies the current maximum as a reference.