🏠 How to use the mortgage calculator
Inputs
“Simple” and “Advanced”: choose the mode at the top. “Simple” covers the payment, interest and amortization schedule. “Advanced” adds “Interest-only months”, “Initial repayment p.a.”, “Remaining balance after … years”, “Extra payments” and the “Interest rate risk check”.
“Calculate monthly payment” or “Calculate term”: with the first, you set the “Term” and get the payment. With the second, you set the “Target payment (excl. fees)” and get the term; the last payment is then usually smaller (“final payment”). If the payment is not enough to repay the loan within 35 years, “Payment too low” appears together with the minimum payment.
Entering values: “Loan amount”, “Nominal rate p.a.” and “Term” can be typed in or set with the slider. The result updates immediately; values outside the permitted range are set to the limit. “Term”, “Interest-only months” and the year in “Remaining balance after” only take whole years or months: a decimal is rounded, and a notice below the field shows the value used.
Fees: “One-time fees” (e.g. processing fee) and “Monthly fees” (e.g. payment collection fee) are included in the total payment and the APR; only the monthly fees change the payment.
“Interest-only months” (Advanced): up to 24 months in which only interest is paid. They count towards the term; with “Calculate monthly payment” at least 12 repayment months remain – with a short term the calculator takes fewer interest-only months into account and shows a note.
Result
Tiles: “Payment / month incl. fees”, “Term”, “Total interest”, “Total payment incl. fees”, “APR (TAEG, simplified)” and, in Advanced mode, “Initial repayment p.a.”. The APR is calculated in simplified form from the rate and the fees entered; as soon as fees are entered, a note below explains the difference from the nominal rate.
“?” explanations: point the mouse at a “?” or reach it with the Tab key to see what the value includes.
“Remaining balance after … years” (Advanced): enter a number of years (default 10). It shows what is still owed after that time, including the extra payments entered.
Extra payments (Advanced)
Entering them: “Enter extra payments” opens one field per loan year. The calculator applies each amount at the end of the loan year (month 12, 24, …); if the end of the year falls within the interest-only period, in the first repayment month. If an amount is higher than the remaining balance, the field is highlighted and the maximum (“Max:”) is shown.
“Shorten term” or “Reduce payment”: with “Shorten term” the payment stays the same and the loan is repaid sooner; a “Monthly extra” payment can also be added. With “Reduce payment” the term stays the same and the payment is recalculated after each extra payment; if there are several steps, the calculator lists the “Payment steps”.
“Savings from extra payments”: shows “New term”, “Shorter by”, “Total interest”, “Extra capital”, “Interest savings” and “Leverage” – or, with “Reduce payment”, instead of “New term”, “Shorter by”, “Extra capital” and “Leverage”, the “New payment / month (after last extra payment)” and “Savings / month”. “Leverage” is the interest saved relative to the extra capital repaid. Whether the bank may charge fees is covered in the FAQ on mortgages and property.
Interest rate risk and comparison
“Interest rate risk check” (Advanced): next to the payment at the current rate there are two rates you can change (default 5% and 6%). The calculator shows the payment for the same amount and term and the difference per month.
“Scenario comparison”: “Show comparison” sets your calculation (Scenario A) against a Scenario B with a different “Amount”, “Rate” and “Term” – or, with “Calculate term”, a different target payment. The differences appear as “vs A”. Fees and interest-only months apply to both scenarios, extra payments do not.
Schedule, printing and sharing
Amortization schedule: “Show amortization schedule” opens the table with payment, interest, principal and balance; “Yearly” and “Monthly” switch the view. In the monthly view in Advanced mode, “Jump to year...” takes you straight to a year.
“Print schedule / PDF”: opens the browser’s print dialog with a summary of the key figures and all months with a total per year. For a PDF file, choose “Save as PDF” in the print dialog.
“CSV Export”: downloads the schedule in the current view (yearly or monthly) as a CSV file, e.g. for Excel; the top of the file contains the key figures and the link to the calculation.
“Share link”: copies a link with all inputs (except comparison B); the values are in the part of the address after the “#”. Anyone who opens the link sees the calculator with the same values.
“Reset”: returns amount, rate, term, fees, extra payments and the other inputs to their starting values; the selected mode (“Simple” or “Advanced”) is kept.
🧮 How to use the VAT calculator
Direction: “Add VAT” (net → gross) starts from the “Net amount (excl. VAT)”. “Remove VAT” (gross → net, scorporo) starts from the “Gross amount (incl. VAT)”.
Amount: type in the amount; the result updates while you type. When you leave the field, the amount is rounded to the cent.
“Country” and “VAT rate”: choose “Italy”, “Germany” or “Austria” and then one of the rates shown. Below the rates there is a short example of where the selected rate applies – for guidance only, not a classification of your case (more in the VAT FAQ).
“Custom”: for other countries or special cases. A “Custom rate” field appears for a rate from 0 to 100% with up to three decimal places.
Result: “Net”, “VAT” and “Gross”, with the calculation below. Rounding is to the cent: the VAT when adding it, the net amount when removing it; net and VAT always add up exactly to the gross amount.
“Copy result”: copies the net amount, VAT and gross amount with the source as text to the clipboard, e.g. to paste into an email.
Copying single values: the icon next to net, VAT and gross copies just that number (without thousands separator), e.g. to paste into a spreadsheet.
“Compare all rates”: opens a table showing the same amount with all rates of the selected country. Clicking a row applies that rate.
“Reset”: returns direction, country, rate and amount to their starting values. The VAT calculator has no share link.