Monthly payment and total cost (fees included)Overpayments and refinancing scenariosSaved scenarios + JSON backup

Mortgage Simulator

Discover the real cost of your mortgage: view monthly payments, interest, and total fees. Simulate partial repayments and instantly see how costs and duration change.

What it is

The Mortgage Simulator is built for people who want clear numbers and no surprises. Use it before signing to test multiple combinations of amount, rate and term and quickly see whether the payment fits your budget. Use it after your mortgage is active too: recreate the real conditions and check whether you’re still paying “well” compared to your goals. Beyond the monthly payment, the app focuses on what truly matters: the total cost of the mortgage. That’s why you can enter upfront and recurring fees (appraisal, origination, insurance, account management and more) to get a more realistic view of what you’ll spend over time. When you want to make a concrete move, you can simulate partial repayment and refinancing by choosing the date and amount: the simulator shows how total interest, remaining term and—if enabled—the monthly payment change. Each scenario is saved in your browser for quick access; and if you switch device, export everything to a JSON file and import it back in seconds. Finally, beyond pure calculation, the app interprets the numbers for you. Sustainability traffic lights tell you at a glance whether your LTV (loan-to-value, mortgage/property ratio) is prudent, whether the payment weighs too heavily on your net income, and whether total interest is in sensible proportion to the principal. Advisor verdicts react to your specific scenario: high LTV on a primary home with a Fondo Garanzia Mutui Prima Casa Consap (Italian state-backed first-home mortgage guarantee fund) suggestion, a stress scenario for variable rates showing the payment with +2 points of Euribor, and a flag on heavy total cost with advice to consider a future refinancing. The “Learn more” section then collects practical explanations on fixed vs variable vs mixed rates, refinancing and renegotiation, first-home incentives (4% IVA — Italian VAT — 19% interest deduction, Fondo Consap), options when you need an LTV above 80%, early repayment and the Bersani Law (2007 Italian banking law), and what happens if you can’t pay an installment.

  • Payment + total cost (interest and fees)
  • Advanced simulations: partial repayment and refinancing over time
  • Scenarios saved in browser + JSON export/import

How it works

#1
Set your base scenario
Enter amount, rate, term and amortization type: instantly get the payment and a total cost overview.
#2
Complete the picture with fees
Add one-time and recurring costs to get closer to the real cost: not only “how much per month”, but “how much in total”.
#3
Try overpayments and refinancing, then save everything
Simulate actions on different dates and see the impact on total interest, remaining term and, optionally, the payment. Save scenarios and back up with a JSON file.

Features

Clear monthly payment and total cost
Quickly calculate the payment and, more importantly, the total cost over time, including interest and often-forgotten fees.
One-time and recurring fees
Enter upfront costs and periodic costs (e.g., insurance or management) for more realistic scenario comparisons.
Advanced simulations: partial repayment and refinancing
Choose when to act and by how much: see how total interest and remaining term change, and optionally the payment amount.
Sustainability and advice on your scenario
Three traffic lights — LTV, payment-to-net-income, and interest-to-principal — interpret the numbers for you. Dynamic verdicts react to critical cases: LTV above 80% with a Fondo Garanzia Consap (Italian state-backed first-home guarantee fund) suggestion, a stress scenario for variable rates with +2 points of Euribor, heavy total cost with advice to consider refinancing. A “Learn more” section then dives deeper into fixed vs variable rates, refinancing and renegotiation, first-home incentives, options for high LTV, and early repayment.

FAQ

Because the monthly payment is just one data point. The total cost of a mortgage also includes interest and ancillary fees (appraisal, origination, payment collection, mandatory insurance, account management) that can shift the total paid over time by thousands of euros. A mortgage with a lower rate but high fees can cost more than one with a slightly higher rate and zero fees. That’s why the simulator shows you the payment, APR, total interest, fees and overall cost separately, and lets you compare seemingly similar scenarios at a glance.
It helps you see the concrete effect of your choices on the mortgage. By entering the date and amount of a partial repayment, the simulator recomputes the total interest saved, the shortened remaining term and — if you enable it — the new payment. For refinancing, you can enter the new bank’s conditions at a given date and compare the post-refinancing schedule with the original to see how much you would really save. Every scenario stays saved in your browser and you can export everything to JSON to take it to another device.
Banks usually consider acceptable a payment up to 30% of net monthly income, and lend up to an LTV (loan-to-value, mortgage/property ratio) of 80% without requiring extra guarantees. Above 80% you typically need a surety policy, or you can access the Fondo Garanzia Mutui Prima Casa Consap (Italian state-backed first-home mortgage guarantee fund) which covers up to 50% of the mortgage. On variable rates it is prudent to check the stress scenario: if the payment with +2 points of Euribor exceeds 35% of income, it’s worth considering a fixed or mixed rate. The simulator shows these indicators as traffic lights (LTV, payment/income, interest/principal) and flags with contextual verdicts when one of these limits is exceeded — so you make choices with full awareness.