Both mortgages over time
Move the year slider to see how much principal you've paid, how much interest, and what's left.
Remaining balance over time
Balance of both mortgages, year by year.
Cumulative interest paid
How much you'll pay the bank in interest each year.
Cumulative principal paid
How much of the mortgage you've actually paid down (your future equity).
How do you compare two mortgage offers?
Compare two offers in crowns over the fixed period, not by the rate alone: add up the payments and one-off fees, then subtract the balance left at the end of the fixation. A rate difference of 0.1 pp on CZK 4 million over 25 years is worth about CZK 230 a month.
When two banks offer you mortgages with different interest rates, fixation periods, or terms, the only way to know which is cheaper is to put them side by side. This calculator does that — for any property, any loan amount, any time horizon.
The "state after N years" view is especially useful when comparing offers with different fixation periods. Bank A might have a lower rate but only 3-year fix; Bank B has higher rate but 7-year fix. Set the horizon to 5 years and you see who comes out ahead under realistic assumptions.
What to compare beyond the rate
Beyond the headline interest rate, focus on the APRC (RPSN) (total annual cost) and the conditions attached to the rate. Many "best" rates require an active account, insurance or your salary paid into the bank. If you stop meeting a condition, the rate goes up by whatever the contract sets, so read that clause before you sign.
Frequently asked questions
How do I compare two mortgage offers fairly?
Add up all payments and one-off fees over the fixed period, then subtract the balance each loan leaves at the end of it. The offer with the lower result is cheaper, whatever the headline rates say.
Is a lower rate always the cheaper offer?
No. Fees and conditional discounts count too: a lower rate tied to paid insurance or an arrangement fee can cost more in total. Compare the APRC as well, as explained in APRC vs interest rate.
What should two offers have in common before I compare them?
The same loan amount, the same term and the same fixation length. If any of these differ, the gap in payments reflects the set-up of the loan, not its price.
What does "state after N years" mean?
It shows where each mortgage will be after a chosen horizon: how much principal you've paid, how much interest, and the outstanding balance. Useful when comparing offers with different fixation periods or terms.
Planning an extra payment?
Calculate exactly how much you'll save on interest.