Mortgage Progress Tracker
Track your mortgage journey, see how much you've paid off, and optimize with extra payments.
Important to know:
The calculations are indicative and may differ from your actual mortgage statements. For exact figures, always refer to your official mortgage statements from your lender.
Mortgage Details
The date when your mortgage started
If you have different interest rates for parts of your mortgage
Mortgage Progress Overview
Time Elapsed
6 years
6 months
Progress
12.8%
completed
Remaining Balance
€ 261.569
- Total Paid
- € 111.715
- Principal Paid
- € 38.431
- Interest Paid
- € 73.284
- Years Remaining
- 23.5 years
Mortgage Breakdown
Current Monthly Payment
€ 1.432
Weighted average rate: 4,00%
Equity Built
€ 38.431
12.8% of original loan
Optimize with Extra Payments
See how extra payments can reduce your remaining mortgage term and save on interest.
Extra Payments Calculator
Multiple Interest Rates
Enable if you have different mortgage parts with different interest rates
Current Monthly Payments
Gross monthly payment
€ 1.414
Including interest and principal
Net monthly payment
€ 1.116
After tax deduction
Extra Payments
Impact Overview
€ 0Interest saved
- Term reduction
- 0 years 0 months
- Total extra payments
- € 0
Return on Investment
By investing € 0 in extra payments, you save € 0 in interest.
This is equivalent to a guaranteed return equal to your mortgage interest rate.
Remaining Balance Over Time
About this calculation
Monthly amortization schedule: extra payments directly reduce the outstanding debt, after which interest savings and term reduction are calculated exactly. Check your lender's penalty-free repayment allowance (often 10–20% per year).
Sources: Vereniging Eigen Huis – extra aflossen
Last checked: July 2026 · Read how we calculate →
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About this calculation
Remaining debt and repaid principal are calculated per month following the amortization schedule of each loan part (annuity, linear or interest-only).
Sources: Vereniging Eigen Huis – hypotheekvormen
Last checked: July 2026 · Read how we calculate →