Mortgage Calculator for France
France · EUR. Monthly repayments, total interest and a repayment schedule.
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Amortization Schedule
| Year | Principal Paid | Interest Paid | Total Payment | Remaining Balance |
|---|---|---|---|---|
| 1 | 5 154,77 € | 12 382,93 € | 17 537,70 € | 244 845,23 € |
| 2 | 5 418,49 € | 12 119,21 € | 17 537,70 € | 239 426,74 € |
| 3 | 5 695,72 € | 11 841,99 € | 17 537,70 € | 233 731,02 € |
| 4 | 5 987,12 € | 11 550,58 € | 17 537,70 € | 227 743,90 € |
| 5 | 6 293,43 € | 11 244,27 € | 17 537,70 € | 221 450,47 € |
Showing 1–5 of 25 years
Key Insights
Interest Share
Interest accounts for 43% of this loan's total repayments.
Loan Tenure
A longer tenure reduces EMI but increases total interest.
Prepayment
Even small prepayments can save you a significant amount.
Method and scope
Fixed-rate, fully amortising loan with equal monthly payments beginning one month after borrowing. The nominal annual interest rate is divided by 12. At zero interest, principal is divided equally across payments. Fees, insurance, property taxes, rate resets and prepayments are excluded. This is a principal-and-interest illustration, not a lender quotation.
Using this calculator in France
For a mortgage in France, this projection covers principal and interest in euros. Borrower insurance, notary costs, guarantees and lender fees are excluded; the entered nominal rate is not an all-in borrowing cost.
Try the starting example
Amount borrowed: 250 000 €; Annual interest rate (nominal): 5%; Loan term (years): 25.
Monthly principal + interest: 1 461,48 €.
Compare one assumption at a time
A longer term can lower the monthly payment while increasing total interest. Compare the repayment schedule and total interest as well as the first result. Keep the amount and rate fixed when reproducing this comparison; the illustration does not include a future rate reset. These fictional scenarios use the starting inputs printed above, not your current entries in the interactive calculator.
| Loan term (years) | Monthly principal + interest | Interpretation |
|---|---|---|
| 24 | 1 492,24 € | One changed input |
| 25 | 1 461,48 € | Starting example |
| 26 | 1 433,36 € | One changed input |
Are you entering taxable income or the salary on your contract?
The French tax tool expects revenu net imposable after applicable deductions; it does not subtract the salary deduction again. For PER planning, use the personal deduction ceiling from your tax notice. A projected PER balance is not the cash you would receive after exit taxes.
To reproduce the table, reset the calculator, change only the named input and compare the result and any warning. Record the assumptions with your result. See worked planning examples and our calculation and correction process.
Sources and review date
Rules and method reviewed 2026-11-01. Future changes are not automatically applied. Report a correction.