Calculateur de Prêt
Visualisez l'amortissement annuel de votre prêt immo ou conso. Évaluez le gain de temps et d'intérêts offert par des remboursements anticipés.
Lisez aussi: Guide complet du calculateur, Calculateur refinancement, Calculateur HELOC, Accessibilité hypothèque, Guide refinancement, Guia de financiamento e parcela, Alugar vs comprar imóvel, Juros compostos
Comment ça marche
A mortgage payment calculator estimates fixed-rate principal-and-interest, total interest, and payoff date with optional extra principal—P&I only, not escrow or PMI.
Saisissez capital, taux et durée. Exemple : 15 000 € à 6,5 % sur 48 mois ≈ 357 €/mois ; 100 € de remboursement anticipé mensuel peut solder le prêt environ 9 mois plus tôt.
Paiement hypothécaire: capital et intérêts
Hypothèque à taux fixe divise chaque mensualité en intérêts sur solde restant et remboursement du capital. Premières années intérêt-heavy—tableau d'amortissement le montre.
Mensualité ici = capital et intérêts (P&I) seulement. Budgétisez taxes, assurance, PMI si apport faible et HOA à part.
Paiements extra au capital raccourcissent le prêt—confirmez application correcte par le servicer avant remboursement agressif.
Guide, exemples et méthodologie
How to use this mortgage payment calculator
Enter loan amount (home price minus down payment for mortgages), annual interest rate, term in years, and optional extra monthly payment toward principal. This mortgage calculator outputs fixed-rate principal-and-interest payment, total interest over the life of the loan, and how extra payments shorten the schedule. Use it for US 30-year and 15-year mortgages, auto loans, and personal installment debt that amortizes on a standard schedule.
Example (USD): $350,000 mortgage
| Scenario | Inputs | Outcome |
|---|---|---|
| 30-year fixed | 6.5% APR | ~$2,212/mo P&I |
| 15-year fixed | 6.0% APR | ~$2,953/mo P&I, less total interest |
| +$200/mo extra | On 30-year above | Pays off years earlier; five figures saved |
Mortgage payment vs full housing cost
Lenders quote principal and interest (P&I). Your all-in payment adds property tax, homeowners insurance, HOA dues, and private mortgage insurance (PMI) when down payment is under 20%. This home loan calculator does not model escrow or PMI—add those manually when comparing to rent or setting a budget. For max price from income, use our mortgage affordability calculator first, then plug the loan amount here.
How we calculate amortization
Each month, interest accrues on the remaining balance at rate ÷ 12; the rest of the payment reduces principal. Extra payments in this model go 100% to principal starting the next month. We do not model ARM rate resets, interest-only periods, balloon payments, or biweekly servicer quirks—confirm prepayment application with your loan servicer.
15-year vs 30-year mortgages
A 15-year note typically carries a lower rate but a higher payment because principal retires faster. Total interest is often dramatically lower. Run both terms here with the same loan amount to see the payment gap versus lifetime interest savings—many buyers choose 30-year for cash flow then add voluntary extra principal.
When to pair with refinance math
If your rate is above current market quotes, compare break-even on our refinance savings calculator before sending large prepayments to a high-rate loan. Refinancing resets the amortization clock unless you keep the same term—closing costs matter. HELOCs and second liens are modeled separately on our HELOC payment calculator.
Common mistakes
- Treating P&I as the full monthly housing cost without tax and insurance.
- Assuming extra payments auto-apply to principal without confirming servicer settings.
- Comparing a 7% personal loan APR to a 6.5% mortgage without reading fee disclosures.
- Refinancing to lower payment while extending term and paying more lifetime interest.
- Ignoring rent-vs-buy timing when the real question is whether to purchase at all.
Related calculators
- Acheter ou Louer
- Calculateur d'Accessibilité Hypothécaire
- Calculateur de Points Hypothécaires
- Calculateur HELOC
Questions fréquentes
What is included in a mortgage payment?
Most US mortgages bundle principal, interest, taxes, and insurance (PITI) in escrow. This calculator shows P&I only—add tax, insurance, PMI, and HOA for the number on your monthly budget.
Comment calculer ma mensualité de prêt ?
La mensualité dépend du capital P, du taux annuel r et de la durée n en mois — formule d'amortissement classique, calculée ici en direct.
Combien d'intérêts totaux vais-je payer ?
Intérêts totaux = (mensualité × nombre de mensualités) − capital. Ex. 20 000 € à 7 % sur 5 ans : environ 3 761 € d'intérêts.
Les remboursements anticipés économisent-ils vraiment ?
Oui — ils réduisent le capital restant dû et les intérêts futurs. Plus tôt vous remboursez en plus, plus l'économie est forte.
Quelle différence entre taux d'intérêt et TAEG ?
Le taux nominal est le coût de base ; le TAEG intègre les frais — comparez les offres avec le TAEG.