Instantly calculate your monthly payments, total interest cost and amortization schedule. Adjust parameters in real time to compare different financing scenarios.
The monthly payment is calculated using the formula: M = C × [r(1+r)^n] / [(1+r)^n - 1], where C is the borrowed capital, r the monthly rate (annual rate / 12) and n the number of payments. Our simulator does this automatically.
In April 2026, average French mortgage rates range from 3.15% over 10 years to 3.65% over 25 years. The best profiles can get rates below 3%.
To borrow €200,000 over 20 years at 3.45%, the monthly payment is about €1,150. With the 33% debt rule, you need a net monthly income of at least €3,500.
A shorter duration (15 years) reduces total interest cost but increases the monthly payment. A longer duration (25 years) reduces the monthly payment but increases total cost.
Several options: extend the loan duration, increase personal contribution, negotiate a better rate (with a broker), renegotiate your existing loan, or make a partial early repayment.