Mortgage Calculator (Inflation-Adjusted)

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u/FinEducation · Joined Oct 2024

See how inflation affects your mortgage payments! Calculate total interest, principal, and real repayment costs. Explore how faster repayment affects the costs.

Last update Oct 2024
  • Scenario 1: Remaining Balance
  • Scenario 2: Total Paid Interest
  • Scenario 3: Total Paid Principal

The chart shows the purchasing power of remaining balance, total interest paid, and principal paid. Add the interest and principal to see the real cost of repayment. Try shortening the amortization to see how faster repayment impacts costs.

# Years from Now

Try your numbers:

Interest Rate: annual interest rate for this mortgage. Amortization: the number of years over which you will repay this loan; the most common amortization period is 25 years.

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  • Amount
    Any single amount ($).
  • Cash Flow
    Rent, insurance premium, salary, ...
  • Current Asset
    Real estate, commodity, bonds, ...
  • Installment Loan
    Mortgage, car loan, ...
  • Percentage
    Any percentage value (%).
  • Years / Months
    Any time horizon.
  • Age
    Show "Age" instead of "# Years from Now."
  • Retirement Age (requires Age)
    Enable "Investment Return After Retirement."

Time Value Assumptions

Heads Up!

If you're using Cost Basis (cb) for calculating capital gains:

Please be aware that very few countries currently use inflation-indexed cost basis. Double-check your local tax rules before publishing.

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How is Cash Value calculated?

The remaining balance of the mortgage, as you pay it down.

Calculations

(Expressions are evaluated at every year.)

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  • Buy Asset
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  • Expect to Invest
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  • Expect Monthly Cash Flow
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  • Expect Yearly Cash Flow
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  • Define Variable (Numerical)
    Calculate an intermediate value.
Add Intermediate Calculation
  • Define Variable (Numerical)
    Calculate an intermediate value.
  • Define Variable (Cash Flow)
    Calculate a combined cash flow.