Interest Rate Comparison Calculator
Compare different mortgage interest rates and see the impact on your monthly payments and total costs.
Important to know:
The calculations are indicative and may differ from your actual possibilities. For personal advice and exact calculations, we recommend contacting a mortgage advisor.
Mortgage Details
Interest Rate Comparison
Rate 1: 4,00%
Monthly payment
€ 1.719
Total interest
€ 258.730
Total to pay
€ 618.730
Rate 2: 4,50%
Monthly payment
€ 1.824
Total interest
€ 296.664
Total to pay
€ 656.664
Difference Summary
+€ 105Monthly difference
Rate 2 is higher than Rate 1
- Total interest difference (Over 30 years)
- +€ 37.934
About this calculation
Both scenarios are calculated with the same standard mortgage formulas; the difference in monthly payments and total interest over the full term is then compared.
Sources: DNB – hypotheekrentes banken
Last checked: July 2026 · Read how we calculate →
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