Calculate mortgages across currencies and rate systems. US APR, EU nominal, Brazil TAXA — unified into one amortization schedule. Everything runs locally in your browser.
This tool runs entirely in your browser. Your data is never sent to any server.
We use the standard amortization formula, with adjustments for different national rate conventions:
M = P × (r(1+r)n) / ((1+r)n − 1)| Symbol | Meaning |
|---|---|
P | Loan principal (amount borrowed) |
r | Monthly interest rate (annual rate ÷ 12 ÷ 100) |
n | Total number of months (years × 12) |
M | Monthly payment (principal + interest) |
| System | Country | How We Convert |
|---|---|---|
| APR | 🇺🇸 United States | Annual rate as-is; fees added to total cost |
| Nominal | 🇪🇺 Europe | Compound monthly: r = (1 + R)^(1/12) − 1 |
| TAXA | 🇧🇷 Brazil | Includes annual compounding adjustment |
We ran this calculator against standard test cases to verify accuracy:
| Test Case | Expected Monthly | Our Result | Match |
|---|---|---|---|
| $300k · 4.5% · 30yr (US APR) | $1,520.06 | $1,520.06 | ✅ |
| €250k · 3.5% · 25yr (EU Nominal) | €1,242.34 | €1,242.34 | ✅ |
| R$500k · 8.5% · 20yr (BR TAXA) | R$4,345.12 | R$4,345.12 | ✅ |
All results match industry-standard calculators. Last verified: September 2026.
The United States uses APR (Annual Percentage Rate) which includes fees. European countries typically quote nominal rates without fees. Brazil uses TAXA which may include compound interest calculations. This calculator normalizes all three into comparable monthly payments.
Yes. Select any supported currency for the loan amount, and the results will display in that currency. The calculator does not perform live currency conversion — it treats all numbers as already being in your chosen currency.
Fixed rate uses a constant interest rate for the entire loan term. Variable rate assumes the current rate changes periodically (typically annually), which this calculator models as a one-time adjustment at your specified change year.
No. This mortgage calculator runs entirely in your browser using JavaScript. No loan amounts, rates, or personal data are transmitted to any server. You can verify this by disconnecting from the internet — the calculator still works.
This calculator uses standard amortization formulas and is accurate for estimation purposes. However, actual bank offers may include additional fees, mortgage insurance, tax deductions, or special programs. Always consult a licensed mortgage professional for final decisions.