MortgageCalculator and programs in one place
Mortgage calculator
Estimate your payment, interest, required income and the effect of monthly prepayments.
Mortgage assumptions
Additional settings
Main result
Monthly payment772 770 ₸
Loan amount44 000 000 ₸
Interest paid95 098 683 ₸
Total paid to bank139 098 683 ₸
Total including down payment150 098 683 ₸
Estimated burden on family income38.6% · Moderate
030%40%50%100%+
Income at which the payment is 30% of the budget: 2 575 902 ₸/moEarly repayment
Strategy: reduce the term
Without prepayment180 months
With prepayment111 months
Term reduction69 months
Interest saved42 257 502 ₸
Cash outflow comparison
Rent over the period116 524 243 ₸
Mortgage + down payment150 098 683 ₸
Outflow difference33 574 440 ₸
This compares nominal cash outflows, not which option is a better investment. It excludes maintenance, insurance, taxes, property appreciation, investment returns and inflation.
Payment schedule
Understanding the estimate
What the calculator shows
Payment, interest, total outflow, income burden and the monthly outstanding balance.
How payments are calculated
An annuity payment stays level, while a differentiated payment declines over time.
What interest paid means
It is the interest paid to the bank above the borrowed principal.
How the down payment helps
A larger down payment reduces the loan, payment and interest.
What prepayment does
An extra payment reduces principal, term and future interest.
Payment types
An annuity is normally level. A differentiated loan repays equal principal, so its payment declines.