Mortgage Calculator

A home loan is the largest debt most people ever take on, and small differences in rate, tenor, or down payment translate into a very different monthly payment and tens of thousands in lifetime interest. Seeing those numbers before you talk to a bank turns an intimidating decision into a comparison you can actually reason about.

This calculator is built for Southeast Asia. Pick your country — Indonesia (IDR), Malaysia (MYR), Singapore (SGD), Thailand (THB), the Philippines (PHP), or Vietnam (VND) — and it sets the currency and typical starting values for the interest rate, down payment, and tenor, all of which you can edit. Enter the property price and your down payment percentage and it shows the loan amount, loan-to-value ratio, monthly principal-and-interest payment, total interest, and full amortization schedule.

Go deeper with the extra tools: add a one-off lump sum or a recurring extra payment to see how many months and how much interest you save; estimate how much you can borrow from your monthly income using a debt-service ratio; and compare two scenarios — say a 15-year versus a 30-year term — side by side. Charts break down principal versus interest and plot your balance and equity over time. Everything is calculated locally in your browser; nothing you enter is uploaded.