Hipoteca Clara: Mortgage Calc

Thinking about getting a mortgage, or already paying one? Hipoteca Clara helps you understand exactly how much you'll pay, and how much you can save, with no fine print and no sign-up.

WHAT YOU CAN CALCULATE

- Monthly payment, total paid and interest for a fixed or variable rate mortgage (Euribor + spread)
- Taxes (VAT on new builds, transfer tax on resale) and notary, agency and land registry fees
- Own capital required: down payment + taxes + fees
- Amortization table, month by month or year by year

NEW: EARLY REPAYMENT

- Enter your current mortgage and the lump sum you want to pay
- See how much interest you save by lowering the payment or shortening the term
- Early repayment fees are deducted, so the saving is real

SHARE YOUR RESULT

- Generate a card with your simulation and send it via WhatsApp, email or any app you like to your partner, family or advisor

WHO IT'S FOR

- Anyone house-hunting who wants to know what they can afford
- Buyers comparing offers from several banks before signing
- Anyone with a mortgage wondering whether overpaying is worth it

NO FUSS

- No sign-up or user account
- No access to your personal data
- Works offline
- Available in 8 languages: Spanish, English, Catalan, Basque, Galician, Portuguese, French and German
- Light and dark theme

Results are for guidance only. Always consult your lender before making a financial decision.

Recent changes:
Early repayment: see how much interest you save by lowering the payment or shortening the term. Share your result: send your simulation as an image via WhatsApp, email or anywhere else. Performance and stability improvements.