Mortgage Calculator
Enter your loan details to see the monthly payment, total interest, and a full month-by-month or year-by-year breakdown. Optional: add an extra monthly payment to see how much time and interest you'd save. Everything is calculated in your browser — no numbers ever leave your device.
Summary
Monthly payment
3,930.16 SAR
Total interest
539,048 SAR
Total paid
1,179,048 SAR
Schedule
| Year | Payment | Interest | Principal | Remaining balance |
|---|---|---|---|---|
| 1 | 47,162 | 34,894 | 12,268 | 627,732 |
| 2 | 47,162 | 34,202 | 12,960 | 614,772 |
| 3 | 47,162 | 33,471 | 13,691 | 601,081 |
| 4 | 47,162 | 32,698 | 14,463 | 586,617 |
| 5 | 47,162 | 31,883 | 15,279 | 571,338 |
| 6 | 47,162 | 31,021 | 16,141 | 555,197 |
| 7 | 47,162 | 30,110 | 17,052 | 538,145 |
| 8 | 47,162 | 29,148 | 18,014 | 520,131 |
| 9 | 47,162 | 28,132 | 19,030 | 501,102 |
| 10 | 47,162 | 27,059 | 20,103 | 480,999 |
| 11 | 47,162 | 25,925 | 21,237 | 459,762 |
| 12 | 47,162 | 24,727 | 22,435 | 437,327 |
| 13 | 47,162 | 23,461 | 23,700 | 413,626 |
| 14 | 47,162 | 22,125 | 25,037 | 388,589 |
| 15 | 47,162 | 20,712 | 26,450 | 362,139 |
| 16 | 47,162 | 19,220 | 27,942 | 334,197 |
| 17 | 47,162 | 17,644 | 29,518 | 304,680 |
| 18 | 47,162 | 15,979 | 31,183 | 273,497 |
| 19 | 47,162 | 14,220 | 32,942 | 240,555 |
| 20 | 47,162 | 12,362 | 34,800 | 205,755 |
| 21 | 47,162 | 10,399 | 36,763 | 168,992 |
| 22 | 47,162 | 8,325 | 38,837 | 130,155 |
| 23 | 47,162 | 6,135 | 41,027 | 89,128 |
| 24 | 47,162 | 3,820 | 43,342 | 45,786 |
| 25 | 47,162 | 1,375 | 45,786 | 0 |
All values in SAR. The final period may be slightly less than the standard payment so the balance lands at zero.
Advanced mode
Advanced modeFull financial picture: salary, expenses, mortgage, and investments in one view. Includes SAMA Article 11 early-payoff analysis.
Your full financial picture
Four tabs that bring together your salary, obligations, projections, and inputs. 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.