Advanced mortgage simulator

Plan your mortgage with full visibility before signing

Calculate real monthly payments, taxes, participant splits, early repayments, and full purchase cost in one place.

Core features

Monthly payment, amortization table, taxes, and total cost in one clear view. Supports fixed and mixed mortgages.

Set income, savings, and ownership to distribute payments fairly.

Add extra payments to reduce term or monthly quota and see instant impact.

Mark milestones on charts, track interest savings, and share by URL.

Set property price, taxes, usage type, and financing conditions.

Configure income, savings, ownership, and extra payments per participant.

Review monthly payment, amortization, total cost, and early repayment impact.

Without optimization

Baseline scenario with fixed payments for the full term, no extra repayments and no split adjustments.

Optimized with hipotec.app

Simulate extra repayments, tweak strategy, and split by participant to reduce interest and detect compensation instantly.

Simulations are processed and saved in this browser. Optional analytics stays off until you accept it.

No autocapture, session recordings, or personal profiles.

We do not sell data; manual events are sent only with your consent.

You can also launch the simulator directly from property listing portals with the project extension.

Yes. You can adjust taxes, financing ratio, term, participants, and extra repayments in real time.

It is based on each person’s initial and extra contributions versus the target ownership split.

No. The website works on its own. The extension only speeds up access from listing portals.

Compare repayment strategies and share scenarios with your partner or advisor instantly.

Home purchase planner

Project your savings, future house prices, and an affordable mortgage payment. Adjust the assumptions and turn a distant goal into a concrete plan.