Mortgage parameters
Move the sliders or type values directly. Result updates instantly.
Want a more detailed calculation?
This calculator gives a quick answer. For a detailed breakdown — annuity formula, post-fixation scenarios, APR vs. nominal rate and month-by-month amortization schedule head to the detailed mortgage calculation.
Everything for a smart decision.
Mortgage calculator
Calculate the monthly payment, total interest, and see how the loan amortizes over time. Including post-fixation scenarios.
DetailCompare two mortgages
Put two offers side by side and see which is cheaper — including the state of both mortgages in any given year.
CompareEarly repayment
An extra payment now saves tens of thousands on interest. Calculate your exact savings and term reduction.
Calculate savingsHow much can I borrow?
Enter your income and see the maximum mortgage based on current ČNB limits for 2026.
Zjistit maxBuy vs. rent
Should you buy or keep renting? Compares total costs and factors in property appreciation.
CompareRefinancing
Vyplatí se přejít k jiné bance? Spočítejte si úsporu z nižší sazby — zohledněte poplatky.
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Quickly see gross and net yield from renting out your property. Just 4 numbers.
Calculate yieldInvestment property
Full calculator with mortgage, taxes, and exit after N years. IRR, ROI, cash flow.
Detailed calculationProperty sale
Concrete net proceeds after N years — with market growth, taxes, mortgage payoff.
See proceedsProperty ROI & IRR
Professional financial metrics for serious investors: IRR, NPV, ROI, payback period.
Financial analysisBlog & guides
Practical articles: how to choose a mortgage, refinancing step by step, end of fixation, ČNB limits and more.
Read articlesWhat's happening in the mortgage market?
Current data from ČNB and the ČBA Hypomonitor. The past 24 months.
Mortgage calculator for the Czech Republic — everything in one place
This mortgage calculator shows your monthly payment, total interest, and how the loan amortizes — for any property in the Czech Republic. Enter four numbers and the result updates instantly. No registration, no email required, no broker calls.
For a deeper breakdown — the annuity formula, principal vs. interest split, post-fixation scenarios — see our step-by-step mortgage calculation guide.
Choosing a mortgage in the Czech Republic in 2026
The average rate on new Czech mortgages is around 4.43 %, with the Czech National Bank (ČNB) holding its 2T repo rate at 3.50 %. When evaluating an offer, focus on:
- Interest rate — drives both the monthly payment and total interest paid
- Fixation period — short (1–3 years) is flexible, long (7–10 years) protects from rate hikes
- LTV (Loan-to-Value) — ideally 80 % or less; under-36s can go up to 90 %
- RPSN — total annual cost including fees; always higher than the headline rate
ČNB rules in 2026
The Czech National Bank enforces three limits all banks must follow: LTV max. 80 % (90 % for under-36s), DSTI max. 45 % (50 % for under-36s), and DTI max. 8.5× (9.5× for under-36s). Check what you actually qualify for in our affordability calculator.
Why we built hypoteky.com
Almost every Czech mortgage calculator wants your email or phone before showing the result. Pages are buried under banners, broker pop-ups, and affiliate links. When even we couldn't quickly calculate our own mortgage, we built the tool that was missing. Simple, clean, no ads, no data collection.
What people ask most
What is the current average mortgage rate in Czech Republic?
According to the ČBA Hypomonitor, the average rate on new Czech mortgages in 2026 is around 4.4–4.5 %. Banks individually offer rates roughly between 4.2 and 4.8 % depending on borrower profile, LTV, and fixation period.
Do you collect any contact data from users?
No. This calculator runs entirely in your browser. We don't ask for your email, phone, or any other identifying information. We don't sell leads to banks or brokers. Your inputs never leave your device.
Which fixation period is best?
Most experts in 2026 recommend a 3–5 year fixation. The reason: ČNB is holding the repo rate stable at 3.5 %, but global uncertainty remains. A 5-year fix lets you wait out potential volatility before refinancing on better terms.
Is early mortgage repayment worth it?
Almost always yes — it can save hundreds of thousands of Kč in interest. By Czech law, you have the right to make extra payments at the end of every fixation period without any fees. Some banks also let you make smaller monthly extras anytime free of charge.
What are LTV, DTI, and DSTI?
LTV (Loan-to-Value) is the ratio of the loan to the property's value. DTI (Debt-to-Income) compares total debt to annual net income. DSTI (Debt Service to Income) is what % of monthly income goes to all debt payments. ČNB sets ceilings: LTV ≤ 80 % (90 % for under-36s), DSTI ≤ 45 % (50 %), DTI ≤ 8.5× (9.5×).
Can I send my calculation to a broker or bank?
Yes — every change to the inputs updates the URL. Just click "Share my calculation" to copy a link with your exact parameters. The recipient sees the same numbers you do.