Mortgage Calculator (Inflation Adjusted)

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u/walking-cloud · Joined Oct 2024

Money gets cheaper over time and so does your mortgage balance. With inflation factored in, you can get an accurate idea of how expensive it is.

Last update Oct 2024
  • Scenario 1: Balance
  • Scenario 2: Total principal
  • Scenario 3: Total interest

To check out typical mortgage curves, scroll down and change “Inflation Rate” box to 0%.

# Years from Now

Try your numbers:

Enter the mortgage details: loan amount, interest rate, and amortization.

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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.

Scroll up to view updated chart.

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How is Cash Value calculated?

The balance of the mortgage.

Calculations

(Expressions are evaluated at every year.)

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  • Buy Asset
    Buy an asset growing at its own rate.
  • Take Installment Loan
    Take a mortgage, loan, etc.
  • Invest
    Receive/Spend a lump sum.
  • Expect to Invest
    Expect to receive/spend a lump sum.
  • Expect Monthly Cash Flow
    Expect to receive/spend cash monthly.
  • Expect Yearly Cash Flow
    Expect to receive/spend cash yearly.
  • 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.