Mortgage Calculator
The whole picture around the loan, not just the instalment: what the property costs you every month once insurance and fees are counted, what an early lump sum actually buys you in months and profit, and how a 15-year term compares to a 30-year one side by side. Every figure is computed in your browser — no numbers ever leave your device.
Your full financial picture
Five tabs that bring together your salary, obligations, projections, inputs, and the financing itself. All calculations run in your browser. Your numbers don't leave your device.
Full monthly flow
- Monthly salary + 10,000
- Living expenses 50% of salary − 5,000
- Mortgage payment 39% of salary − 3,930
- Monthly investment 10% of salary − 1,000
- Monthly surplus + 70
Your annual income
- Investment portfolio 50K
- Property equity 160K
- Emergency liquidity 30K
- Loan balance 640K
- Bank profit (lifetime) 539K
Out of 100 — combines savings rate, debt burden, emergency cushion, and diversification.
Stress test: −35% S&P 500 drop
Historically: 2000 −49%, 2008 −57%, 2020 −34%. What if a −35% scenario hits at peak?
Early-payoff analysis
📋 SAMA (Article 11 — Executive Regulations):
- Early payoff is the borrower’s right at any time.
- Contracts may include a payoff lockout of up to 2 years from signing (if explicitly stated).
- The bank cannot demand profit on the remaining term.
- Bank compensation = re-investment cost, capped at 3 months of profit on the declining balance.
Cost breakdown at year 10:
- Remaining loan balance —
- + Bank compensation (3 months of profit) —
- Total paid to bank —
Recommendations for you
Where did your wealth come from?
Breakdown of 5.2M SAR in growth
Wealth-building journey
How each layer accumulated year by year
Year detail
- Balance — start of year—
- + Monthly contributions (1,000 × 12)—
- + Bonus (2 salaries of 10,000)—
- + Investment growth (8%/yr)—
- = Balance — end of year—
- Loan balance — start of year—
- − Bank profit (this year)—
- − Principal paid (became equity)—
- Annual payment total—
- = Loan balance — end of year—
- Property value — start of year—
- + Appreciation (3%)—
- = Property value — end of year—
Show full year-by-year table
| Year | +Contrib | +Return | Portfolio | Loan bal. | Net worth |
|---|
Salary & income
Expenses & liquidity
Property & loan
Investments
* Estimates for guidance only — not a substitute for a licensed financial advisor. Early-payoff reference: SAMA Executive Regulations, Article 11.
The financing itself: what actually leaves your account each month, what paying early does to it, and the full cost by the last instalment.
Where the money goes, year by year
Early years are mostly profit; the balance tips toward principal as the term runs down. Hover a year for its breakdown.
Monthly carrying costs
Paid alongside the instalment. They are never added to the financed amount, so no profit is charged on them.
Extra one-off payments
An amount taken off the financed balance in a specific month. It shortens the term and reduces the profit you owe.
- No extra payments yet.
What you actually pay for
- Financed amount —
- Profit —
- Carrying costs —
Compare terms
Same financed amount and profit rate, without extra payments — mixing an early-repayment plan in would make the columns incomparable.
| Term | Instalment | First month | Total profit | Total cost |
|---|
The same loan over different terms
Repayment schedule
Show it month by month
| Month | Payment | Profit | Principal | Extra payment | Carrying | Balance |
|---|