hipotec.appCalculate the cash you need today, your monthly payment, and the total cost. If you are still saving, estimate when you could be ready to buy.
No account · calculations in your browser · optional analytics
Home price
€240,000
Deposit + tax
€72,000
Estimated payment
€830/month
Total interest
€106,920
Mortgage over time
Remaining principal
Resale home · 80% financed · 30 years · 3.2% fixed · 10% transfer tax. Your results will depend on the data you enter.
Two tools, one goal
Whether you already have a home in mind or are still building the deposit, there is a clear next step.
Model the full purchase, not just the bank payment, and compare different terms before you commit.
Turn your income, savings, and target price into an estimated date and a concrete monthly plan.
Answers, not just calculations
Hipotec.app brings together the pieces usually scattered across calculators, spreadsheets, and conversations with the bank.
Add the deposit, taxes, fees, and other expenses to understand the savings you actually need.
Compare the mortgage and linked-product costs with household income and other debt.
Try early repayments and see how they change interest, term, and monthly payments.
Set each person's savings, income, ownership, and contributions to identify compensation.
One decision can change years
In this example, a one-off €10,000 repayment in year five reduces both the term and interest without manual calculations.
Try my scenarioWithout an extra repayment
30 years
planned mortgage term
€106,920
in total interest
€10,000 in year five
27 years, 11 months
25 fewer mortgage payments
€11,502 less
in estimated interest
Example calculated on a €192,000 loan at a fixed 3.2% with no early-repayment fee. This is an estimate, not a binding offer.
Easy to use, complete enough to decide
Change any assumption and the results update immediately.
Enter the price, financing, income, and the people taking part in the purchase.
Review the deposit, taxes, monthly payment, interest, and total cost in one place.
Change the terms, try extra repayments, and share the scenario with anyone you choose.
Privacy by design
Calculations and scenarios are processed and saved locally in your browser. You do not need to create an account to start.
While browsing homes
Open hipotec.app directly from Fotocasa, Habitaclia, Idealista, and Pisos.com with the Chrome extension.
Before you start
What you need to interpret the results correctly and understand what each tool covers.
No. It also calculates the deposit, taxes, expenses, total cost, monthly affordability, early repayments, and participant splits.
Yes. The planner estimates when you could reach the required deposit based on income, savings, monthly contributions, and home-price growth.
Yes. Set each person's income, savings, ownership share, and contributions to see the split and any compensation.
No. They are estimates for comparing scenarios. Final terms depend on the lender's offer, applicable taxes, and its lending criteria.
Choose where you are today. Change any input and compare scenarios without creating an account.