Mortgage calculator

Payment, overpayment and amortisation schedule for a home loan

Maternity capital728 921,90 ₽ — into the down payment or an early repayment

Monthly payment

61 732,46 ₽

level for the whole term

Interest overpayment

10 815 792,24 ₽

270,4% of the loan

Total paid

14 815 792,24 ₽

loan 4 000 000,00 ₽

Payment schedule

240 payments

Month	Payment	Principal	Interest	Balance
1	61 732,46 ₽	1 732,46 ₽	60 000,00 ₽	3 998 267,54 ₽
2	61 732,46 ₽	1 758,45 ₽	59 974,01 ₽	3 996 509,09 ₽
3	61 732,46 ₽	1 784,82 ₽	59 947,64 ₽	3 994 724,27 ₽
4	61 732,46 ₽	1 811,60 ₽	59 920,86 ₽	3 992 912,67 ₽
5	61 732,46 ₽	1 838,77 ₽	59 893,69 ₽	3 991 073,90 ₽
6	61 732,46 ₽	1 866,35 ₽	59 866,11 ₽	3 989 207,55 ₽
7	61 732,46 ₽	1 894,35 ₽	59 838,11 ₽	3 987 313,20 ₽
8	61 732,46 ₽	1 922,76 ₽	59 809,70 ₽	3 985 390,44 ₽
9	61 732,46 ₽	1 951,60 ₽	59 780,86 ₽	3 983 438,84 ₽
10	61 732,46 ₽	1 980,88 ₽	59 751,58 ₽	3 981 457,96 ₽
11	61 732,46 ₽	2 010,59 ₽	59 721,87 ₽	3 979 447,37 ₽
12	61 732,46 ₽	2 040,75 ₽	59 691,71 ₽	3 977 406,62 ₽
13	61 732,46 ₽	2 071,36 ₽	59 661,10 ₽	3 975 335,26 ₽
14	61 732,46 ₽	2 102,43 ₽	59 630,03 ₽	3 973 232,83 ₽
15	61 732,46 ₽	2 133,97 ₽	59 598,49 ₽	3 971 098,86 ₽
16	61 732,46 ₽	2 165,98 ₽	59 566,48 ₽	3 968 932,88 ₽
17	61 732,46 ₽	2 198,47 ₽	59 533,99 ₽	3 966 734,41 ₽
18	61 732,46 ₽	2 231,44 ₽	59 501,02 ₽	3 964 502,97 ₽
19	61 732,46 ₽	2 264,92 ₽	59 467,54 ₽	3 962 238,05 ₽
20	61 732,46 ₽	2 298,89 ₽	59 433,57 ₽	3 959 939,16 ₽
21	61 732,46 ₽	2 333,37 ₽	59 399,09 ₽	3 957 605,79 ₽
22	61 732,46 ₽	2 368,37 ₽	59 364,09 ₽	3 955 237,42 ₽
23	61 732,46 ₽	2 403,90 ₽	59 328,56 ₽	3 952 833,52 ₽
24	61 732,46 ₽	2 439,96 ₽	59 292,50 ₽	3 950 393,56 ₽
25	61 732,46 ₽	2 476,56 ₽	59 255,90 ₽	3 947 917,00 ₽
26	61 732,46 ₽	2 513,70 ₽	59 218,76 ₽	3 945 403,30 ₽
27	61 732,46 ₽	2 551,41 ₽	59 181,05 ₽	3 942 851,89 ₽
28	61 732,46 ₽	2 589,68 ₽	59 142,78 ₽	3 940 262,21 ₽
29	61 732,46 ₽	2 628,53 ₽	59 103,93 ₽	3 937 633,68 ₽
30	61 732,46 ₽	2 667,95 ₽	59 064,51 ₽	3 934 965,73 ₽
31	61 732,46 ₽	2 707,97 ₽	59 024,49 ₽	3 932 257,76 ₽
32	61 732,46 ₽	2 748,59 ₽	58 983,87 ₽	3 929 509,17 ₽
33	61 732,46 ₽	2 789,82 ₽	58 942,64 ₽	3 926 719,35 ₽
34	61 732,46 ₽	2 831,67 ₽	58 900,79 ₽	3 923 887,68 ₽
35	61 732,46 ₽	2 874,14 ₽	58 858,32 ₽	3 921 013,54 ₽
36	61 732,46 ₽	2 917,26 ₽	58 815,20 ₽	3 918 096,28 ₽
37	61 732,46 ₽	2 961,02 ₽	58 771,44 ₽	3 915 135,26 ₽
38	61 732,46 ₽	3 005,43 ₽	58 727,03 ₽	3 912 129,83 ₽
39	61 732,46 ₽	3 050,51 ₽	58 681,95 ₽	3 909 079,32 ₽
40	61 732,46 ₽	3 096,27 ₽	58 636,19 ₽	3 905 983,05 ₽
41	61 732,46 ₽	3 142,71 ₽	58 589,75 ₽	3 902 840,34 ₽
42	61 732,46 ₽	3 189,85 ₽	58 542,61 ₽	3 899 650,49 ₽
43	61 732,46 ₽	3 237,70 ₽	58 494,76 ₽	3 896 412,79 ₽
44	61 732,46 ₽	3 286,27 ₽	58 446,19 ₽	3 893 126,52 ₽
45	61 732,46 ₽	3 335,56 ₽	58 396,90 ₽	3 889 790,96 ₽
46	61 732,46 ₽	3 385,60 ₽	58 346,86 ₽	3 886 405,36 ₽
47	61 732,46 ₽	3 436,38 ₽	58 296,08 ₽	3 882 968,98 ₽
48	61 732,46 ₽	3 487,93 ₽	58 244,53 ₽	3 879 481,05 ₽
49	61 732,46 ₽	3 540,24 ₽	58 192,22 ₽	3 875 940,81 ₽
50	61 732,46 ₽	3 593,35 ₽	58 139,11 ₽	3 872 347,46 ₽
51	61 732,46 ₽	3 647,25 ₽	58 085,21 ₽	3 868 700,21 ₽
52	61 732,46 ₽	3 701,96 ₽	58 030,50 ₽	3 864 998,25 ₽
53	61 732,46 ₽	3 757,49 ₽	57 974,97 ₽	3 861 240,76 ₽
54	61 732,46 ₽	3 813,85 ₽	57 918,61 ₽	3 857 426,91 ₽
55	61 732,46 ₽	3 871,06 ₽	57 861,40 ₽	3 853 555,85 ₽
56	61 732,46 ₽	3 929,12 ₽	57 803,34 ₽	3 849 626,73 ₽
57	61 732,46 ₽	3 988,06 ₽	57 744,40 ₽	3 845 638,67 ₽
58	61 732,46 ₽	4 047,88 ₽	57 684,58 ₽	3 841 590,79 ₽
59	61 732,46 ₽	4 108,60 ₽	57 623,86 ₽	3 837 482,19 ₽
60	61 732,46 ₽	4 170,23 ₽	57 562,23 ₽	3 833 311,96 ₽
61	61 732,46 ₽	4 232,78 ₽	57 499,68 ₽	3 829 079,18 ₽
62	61 732,46 ₽	4 296,27 ₽	57 436,19 ₽	3 824 782,91 ₽
63	61 732,46 ₽	4 360,72 ₽	57 371,74 ₽	3 820 422,19 ₽
64	61 732,46 ₽	4 426,13 ₽	57 306,33 ₽	3 815 996,06 ₽
65	61 732,46 ₽	4 492,52 ₽	57 239,94 ₽	3 811 503,54 ₽
66	61 732,46 ₽	4 559,91 ₽	57 172,55 ₽	3 806 943,63 ₽
67	61 732,46 ₽	4 628,31 ₽	57 104,15 ₽	3 802 315,32 ₽
68	61 732,46 ₽	4 697,73 ₽	57 034,73 ₽	3 797 617,59 ₽
69	61 732,46 ₽	4 768,20 ₽	56 964,26 ₽	3 792 849,39 ₽
70	61 732,46 ₽	4 839,72 ₽	56 892,74 ₽	3 788 009,67 ₽
71	61 732,46 ₽	4 912,31 ₽	56 820,15 ₽	3 783 097,36 ₽
72	61 732,46 ₽	4 986,00 ₽	56 746,46 ₽	3 778 111,36 ₽
73	61 732,46 ₽	5 060,79 ₽	56 671,67 ₽	3 773 050,57 ₽
74	61 732,46 ₽	5 136,70 ₽	56 595,76 ₽	3 767 913,87 ₽
75	61 732,46 ₽	5 213,75 ₽	56 518,71 ₽	3 762 700,12 ₽
76	61 732,46 ₽	5 291,96 ₽	56 440,50 ₽	3 757 408,16 ₽
77	61 732,46 ₽	5 371,34 ₽	56 361,12 ₽	3 752 036,82 ₽
78	61 732,46 ₽	5 451,91 ₽	56 280,55 ₽	3 746 584,91 ₽
79	61 732,46 ₽	5 533,69 ₽	56 198,77 ₽	3 741 051,22 ₽
80	61 732,46 ₽	5 616,69 ₽	56 115,77 ₽	3 735 434,53 ₽
81	61 732,46 ₽	5 700,94 ₽	56 031,52 ₽	3 729 733,59 ₽
82	61 732,46 ₽	5 786,46 ₽	55 946,00 ₽	3 723 947,13 ₽
83	61 732,46 ₽	5 873,25 ₽	55 859,21 ₽	3 718 073,88 ₽
84	61 732,46 ₽	5 961,35 ₽	55 771,11 ₽	3 712 112,53 ₽
85	61 732,46 ₽	6 050,77 ₽	55 681,69 ₽	3 706 061,76 ₽
86	61 732,46 ₽	6 141,53 ₽	55 590,93 ₽	3 699 920,23 ₽
87	61 732,46 ₽	6 233,66 ₽	55 498,80 ₽	3 693 686,57 ₽
88	61 732,46 ₽	6 327,16 ₽	55 405,30 ₽	3 687 359,41 ₽
89	61 732,46 ₽	6 422,07 ₽	55 310,39 ₽	3 680 937,34 ₽
90	61 732,46 ₽	6 518,40 ₽	55 214,06 ₽	3 674 418,94 ₽
91	61 732,46 ₽	6 616,18 ₽	55 116,28 ₽	3 667 802,76 ₽
92	61 732,46 ₽	6 715,42 ₽	55 017,04 ₽	3 661 087,34 ₽
93	61 732,46 ₽	6 816,15 ₽	54 916,31 ₽	3 654 271,19 ₽
94	61 732,46 ₽	6 918,39 ₽	54 814,07 ₽	3 647 352,80 ₽
95	61 732,46 ₽	7 022,17 ₽	54 710,29 ₽	3 640 330,63 ₽
96	61 732,46 ₽	7 127,50 ₽	54 604,96 ₽	3 633 203,13 ₽
97	61 732,46 ₽	7 234,41 ₽	54 498,05 ₽	3 625 968,72 ₽
98	61 732,46 ₽	7 342,93 ₽	54 389,53 ₽	3 618 625,79 ₽
99	61 732,46 ₽	7 453,07 ₽	54 279,39 ₽	3 611 172,72 ₽
100	61 732,46 ₽	7 564,87 ₽	54 167,59 ₽	3 603 607,85 ₽
101	61 732,46 ₽	7 678,34 ₽	54 054,12 ₽	3 595 929,51 ₽
102	61 732,46 ₽	7 793,52 ₽	53 938,94 ₽	3 588 135,99 ₽
103	61 732,46 ₽	7 910,42 ₽	53 822,04 ₽	3 580 225,57 ₽
104	61 732,46 ₽	8 029,08 ₽	53 703,38 ₽	3 572 196,49 ₽
105	61 732,46 ₽	8 149,51 ₽	53 582,95 ₽	3 564 046,98 ₽
106	61 732,46 ₽	8 271,76 ₽	53 460,70 ₽	3 555 775,22 ₽
107	61 732,46 ₽	8 395,83 ₽	53 336,63 ₽	3 547 379,39 ₽
108	61 732,46 ₽	8 521,77 ₽	53 210,69 ₽	3 538 857,62 ₽
109	61 732,46 ₽	8 649,60 ₽	53 082,86 ₽	3 530 208,02 ₽
110	61 732,46 ₽	8 779,34 ₽	52 953,12 ₽	3 521 428,68 ₽
111	61 732,46 ₽	8 911,03 ₽	52 821,43 ₽	3 512 517,65 ₽
112	61 732,46 ₽	9 044,70 ₽	52 687,76 ₽	3 503 472,95 ₽
113	61 732,46 ₽	9 180,37 ₽	52 552,09 ₽	3 494 292,58 ₽
114	61 732,46 ₽	9 318,07 ₽	52 414,39 ₽	3 484 974,51 ₽
115	61 732,46 ₽	9 457,84 ₽	52 274,62 ₽	3 475 516,67 ₽
116	61 732,46 ₽	9 599,71 ₽	52 132,75 ₽	3 465 916,96 ₽
117	61 732,46 ₽	9 743,71 ₽	51 988,75 ₽	3 456 173,25 ₽
118	61 732,46 ₽	9 889,86 ₽	51 842,60 ₽	3 446 283,39 ₽
119	61 732,46 ₽	10 038,21 ₽	51 694,25 ₽	3 436 245,18 ₽
120	61 732,46 ₽	10 188,78 ₽	51 543,68 ₽	3 426 056,40 ₽
121	61 732,46 ₽	10 341,61 ₽	51 390,85 ₽	3 415 714,79 ₽
122	61 732,46 ₽	10 496,74 ₽	51 235,72 ₽	3 405 218,05 ₽
123	61 732,46 ₽	10 654,19 ₽	51 078,27 ₽	3 394 563,86 ₽
124	61 732,46 ₽	10 814,00 ₽	50 918,46 ₽	3 383 749,86 ₽
125	61 732,46 ₽	10 976,21 ₽	50 756,25 ₽	3 372 773,65 ₽
126	61 732,46 ₽	11 140,86 ₽	50 591,60 ₽	3 361 632,79 ₽
127	61 732,46 ₽	11 307,97 ₽	50 424,49 ₽	3 350 324,82 ₽
128	61 732,46 ₽	11 477,59 ₽	50 254,87 ₽	3 338 847,23 ₽
129	61 732,46 ₽	11 649,75 ₽	50 082,71 ₽	3 327 197,48 ₽
130	61 732,46 ₽	11 824,50 ₽	49 907,96 ₽	3 315 372,98 ₽
131	61 732,46 ₽	12 001,87 ₽	49 730,59 ₽	3 303 371,11 ₽
132	61 732,46 ₽	12 181,89 ₽	49 550,57 ₽	3 291 189,22 ₽
133	61 732,46 ₽	12 364,62 ₽	49 367,84 ₽	3 278 824,60 ₽
134	61 732,46 ₽	12 550,09 ₽	49 182,37 ₽	3 266 274,51 ₽
135	61 732,46 ₽	12 738,34 ₽	48 994,12 ₽	3 253 536,17 ₽
136	61 732,46 ₽	12 929,42 ₽	48 803,04 ₽	3 240 606,75 ₽
137	61 732,46 ₽	13 123,36 ₽	48 609,10 ₽	3 227 483,39 ₽
138	61 732,46 ₽	13 320,21 ₽	48 412,25 ₽	3 214 163,18 ₽
139	61 732,46 ₽	13 520,01 ₽	48 212,45 ₽	3 200 643,17 ₽
140	61 732,46 ₽	13 722,81 ₽	48 009,65 ₽	3 186 920,36 ₽
141	61 732,46 ₽	13 928,65 ₽	47 803,81 ₽	3 172 991,71 ₽
142	61 732,46 ₽	14 137,58 ₽	47 594,88 ₽	3 158 854,13 ₽
143	61 732,46 ₽	14 349,65 ₽	47 382,81 ₽	3 144 504,48 ₽
144	61 732,46 ₽	14 564,89 ₽	47 167,57 ₽	3 129 939,59 ₽
145	61 732,46 ₽	14 783,37 ₽	46 949,09 ₽	3 115 156,22 ₽
146	61 732,46 ₽	15 005,12 ₽	46 727,34 ₽	3 100 151,10 ₽
147	61 732,46 ₽	15 230,19 ₽	46 502,27 ₽	3 084 920,91 ₽
148	61 732,46 ₽	15 458,65 ₽	46 273,81 ₽	3 069 462,26 ₽
149	61 732,46 ₽	15 690,53 ₽	46 041,93 ₽	3 053 771,73 ₽
150	61 732,46 ₽	15 925,88 ₽	45 806,58 ₽	3 037 845,85 ₽
151	61 732,46 ₽	16 164,77 ₽	45 567,69 ₽	3 021 681,08 ₽
152	61 732,46 ₽	16 407,24 ₽	45 325,22 ₽	3 005 273,84 ₽
153	61 732,46 ₽	16 653,35 ₽	45 079,11 ₽	2 988 620,49 ₽
154	61 732,46 ₽	16 903,15 ₽	44 829,31 ₽	2 971 717,34 ₽
155	61 732,46 ₽	17 156,70 ₽	44 575,76 ₽	2 954 560,64 ₽
156	61 732,46 ₽	17 414,05 ₽	44 318,41 ₽	2 937 146,59 ₽
157	61 732,46 ₽	17 675,26 ₽	44 057,20 ₽	2 919 471,33 ₽
158	61 732,46 ₽	17 940,39 ₽	43 792,07 ₽	2 901 530,94 ₽
159	61 732,46 ₽	18 209,50 ₽	43 522,96 ₽	2 883 321,44 ₽
160	61 732,46 ₽	18 482,64 ₽	43 249,82 ₽	2 864 838,80 ₽
161	61 732,46 ₽	18 759,88 ₽	42 972,58 ₽	2 846 078,92 ₽
162	61 732,46 ₽	19 041,28 ₽	42 691,18 ₽	2 827 037,64 ₽
163	61 732,46 ₽	19 326,90 ₽	42 405,56 ₽	2 807 710,74 ₽
164	61 732,46 ₽	19 616,80 ₽	42 115,66 ₽	2 788 093,94 ₽
165	61 732,46 ₽	19 911,05 ₽	41 821,41 ₽	2 768 182,89 ₽
166	61 732,46 ₽	20 209,72 ₽	41 522,74 ₽	2 747 973,17 ₽
167	61 732,46 ₽	20 512,86 ₽	41 219,60 ₽	2 727 460,31 ₽
168	61 732,46 ₽	20 820,56 ₽	40 911,90 ₽	2 706 639,75 ₽
169	61 732,46 ₽	21 132,86 ₽	40 599,60 ₽	2 685 506,89 ₽
170	61 732,46 ₽	21 449,86 ₽	40 282,60 ₽	2 664 057,03 ₽
171	61 732,46 ₽	21 771,60 ₽	39 960,86 ₽	2 642 285,43 ₽
172	61 732,46 ₽	22 098,18 ₽	39 634,28 ₽	2 620 187,25 ₽
173	61 732,46 ₽	22 429,65 ₽	39 302,81 ₽	2 597 757,60 ₽
174	61 732,46 ₽	22 766,10 ₽	38 966,36 ₽	2 574 991,50 ₽
175	61 732,46 ₽	23 107,59 ₽	38 624,87 ₽	2 551 883,91 ₽
176	61 732,46 ₽	23 454,20 ₽	38 278,26 ₽	2 528 429,71 ₽
177	61 732,46 ₽	23 806,01 ₽	37 926,45 ₽	2 504 623,70 ₽
178	61 732,46 ₽	24 163,10 ₽	37 569,36 ₽	2 480 460,60 ₽
179	61 732,46 ₽	24 525,55 ₽	37 206,91 ₽	2 455 935,05 ₽
180	61 732,46 ₽	24 893,43 ₽	36 839,03 ₽	2 431 041,62 ₽
181	61 732,46 ₽	25 266,84 ₽	36 465,62 ₽	2 405 774,78 ₽
182	61 732,46 ₽	25 645,84 ₽	36 086,62 ₽	2 380 128,94 ₽
183	61 732,46 ₽	26 030,53 ₽	35 701,93 ₽	2 354 098,41 ₽
184	61 732,46 ₽	26 420,98 ₽	35 311,48 ₽	2 327 677,43 ₽
185	61 732,46 ₽	26 817,30 ₽	34 915,16 ₽	2 300 860,13 ₽
186	61 732,46 ₽	27 219,56 ₽	34 512,90 ₽	2 273 640,57 ₽
187	61 732,46 ₽	27 627,85 ₽	34 104,61 ₽	2 246 012,72 ₽
188	61 732,46 ₽	28 042,27 ₽	33 690,19 ₽	2 217 970,45 ₽
189	61 732,46 ₽	28 462,90 ₽	33 269,56 ₽	2 189 507,55 ₽
190	61 732,46 ₽	28 889,85 ₽	32 842,61 ₽	2 160 617,70 ₽
191	61 732,46 ₽	29 323,19 ₽	32 409,27 ₽	2 131 294,51 ₽
192	61 732,46 ₽	29 763,04 ₽	31 969,42 ₽	2 101 531,47 ₽
193	61 732,46 ₽	30 209,49 ₽	31 522,97 ₽	2 071 321,98 ₽
194	61 732,46 ₽	30 662,63 ₽	31 069,83 ₽	2 040 659,35 ₽
195	61 732,46 ₽	31 122,57 ₽	30 609,89 ₽	2 009 536,78 ₽
196	61 732,46 ₽	31 589,41 ₽	30 143,05 ₽	1 977 947,37 ₽
197	61 732,46 ₽	32 063,25 ₽	29 669,21 ₽	1 945 884,12 ₽
198	61 732,46 ₽	32 544,20 ₽	29 188,26 ₽	1 913 339,92 ₽
199	61 732,46 ₽	33 032,36 ₽	28 700,10 ₽	1 880 307,56 ₽
200	61 732,46 ₽	33 527,85 ₽	28 204,61 ₽	1 846 779,71 ₽
201	61 732,46 ₽	34 030,76 ₽	27 701,70 ₽	1 812 748,95 ₽
202	61 732,46 ₽	34 541,23 ₽	27 191,23 ₽	1 778 207,72 ₽
203	61 732,46 ₽	35 059,34 ₽	26 673,12 ₽	1 743 148,38 ₽
204	61 732,46 ₽	35 585,23 ₽	26 147,23 ₽	1 707 563,15 ₽
205	61 732,46 ₽	36 119,01 ₽	25 613,45 ₽	1 671 444,14 ₽
206	61 732,46 ₽	36 660,80 ₽	25 071,66 ₽	1 634 783,34 ₽
207	61 732,46 ₽	37 210,71 ₽	24 521,75 ₽	1 597 572,63 ₽
208	61 732,46 ₽	37 768,87 ₽	23 963,59 ₽	1 559 803,76 ₽
209	61 732,46 ₽	38 335,40 ₽	23 397,06 ₽	1 521 468,36 ₽
210	61 732,46 ₽	38 910,43 ₽	22 822,03 ₽	1 482 557,93 ₽
211	61 732,46 ₽	39 494,09 ₽	22 238,37 ₽	1 443 063,84 ₽
212	61 732,46 ₽	40 086,50 ₽	21 645,96 ₽	1 402 977,34 ₽
213	61 732,46 ₽	40 687,80 ₽	21 044,66 ₽	1 362 289,54 ₽
214	61 732,46 ₽	41 298,12 ₽	20 434,34 ₽	1 320 991,42 ₽
215	61 732,46 ₽	41 917,59 ₽	19 814,87 ₽	1 279 073,83 ₽
216	61 732,46 ₽	42 546,35 ₽	19 186,11 ₽	1 236 527,48 ₽
217	61 732,46 ₽	43 184,55 ₽	18 547,91 ₽	1 193 342,93 ₽
218	61 732,46 ₽	43 832,32 ₽	17 900,14 ₽	1 149 510,61 ₽
219	61 732,46 ₽	44 489,80 ₽	17 242,66 ₽	1 105 020,81 ₽
220	61 732,46 ₽	45 157,15 ₽	16 575,31 ₽	1 059 863,66 ₽
221	61 732,46 ₽	45 834,51 ₽	15 897,95 ₽	1 014 029,15 ₽
222	61 732,46 ₽	46 522,02 ₽	15 210,44 ₽	967 507,13 ₽
223	61 732,46 ₽	47 219,85 ₽	14 512,61 ₽	920 287,28 ₽
224	61 732,46 ₽	47 928,15 ₽	13 804,31 ₽	872 359,13 ₽
225	61 732,46 ₽	48 647,07 ₽	13 085,39 ₽	823 712,06 ₽
226	61 732,46 ₽	49 376,78 ₽	12 355,68 ₽	774 335,28 ₽
227	61 732,46 ₽	50 117,43 ₽	11 615,03 ₽	724 217,85 ₽
228	61 732,46 ₽	50 869,19 ₽	10 863,27 ₽	673 348,66 ₽
229	61 732,46 ₽	51 632,23 ₽	10 100,23 ₽	621 716,43 ₽
230	61 732,46 ₽	52 406,71 ₽	9 325,75 ₽	569 309,72 ₽
231	61 732,46 ₽	53 192,81 ₽	8 539,65 ₽	516 116,91 ₽
232	61 732,46 ₽	53 990,71 ₽	7 741,75 ₽	462 126,20 ₽
233	61 732,46 ₽	54 800,57 ₽	6 931,89 ₽	407 325,63 ₽
234	61 732,46 ₽	55 622,58 ₽	6 109,88 ₽	351 703,05 ₽
235	61 732,46 ₽	56 456,91 ₽	5 275,55 ₽	295 246,14 ₽
236	61 732,46 ₽	57 303,77 ₽	4 428,69 ₽	237 942,37 ₽
237	61 732,46 ₽	58 163,32 ₽	3 569,14 ₽	179 779,05 ₽
238	61 732,46 ₽	59 035,77 ₽	2 696,69 ₽	120 743,28 ₽
239	61 732,46 ₽	59 921,31 ₽	1 811,15 ₽	60 821,97 ₽
240	61 734,30 ₽	60 821,97 ₽	912,33 ₽	0,00 ₽
Total	14 815 792,24 ₽	4 000 000,00 ₽	10 815 792,24 ₽	0,00 ₽

Scenario A

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Scenario B

Empty so far

What if

The comparison appears once both scenarios are saved.

Reference block: the method, a worked example and answers to common questions. It does not affect the calculation above.

How it is calculated

The loan amount is the property price minus your down payment: paying 1 000 000 ₽ upfront on a 5 000 000 ₽ home means borrowing 4 000 000 ₽. The down payment cannot exceed the price; the term and rate are set in years and percent per annum.
For an annuity the calculator solves the level-payment equation: PMT = K * i * (1+i)^n / ((1+i)^n - 1), where K is the loan amount, i the monthly rate (annual / 12 / 100) and n the term in months. The rate is kept as an exact fraction rather than a pre-divided decimal, and the payment is rounded to the kopeck exactly once — the way a bank quotes it in the schedule.
Each month interest accrues on the outstanding balance: interest = balance * annual rate / 1200, rounded once from the true value. That month’s principal part is the payment minus the interest, and the balance falls by the difference.
With differentiated payments the principal is repaid in equal instalments (loan / months) while interest is charged on the current balance — so the first payment is the largest and every following one is smaller.
The final payment clears whatever balance remains: it absorbs the kopeck-sized rounding leftovers, which is why it can differ from the quoted payment by a few kopecks — exactly as a bank’s schedule does.

Worked example

Take the figures the page opens with: a 5 000 000 ₽ home, a 1 000 000 ₽ down payment, 20 years at 18% per annum. The loan is 4 000 000 ₽, the monthly rate 1.5%, 240 payments. The annuity payment comes to 61 732.46 ₽ a month; over the full term you pay 14 815 792.24 ₽, of which 10 815 792.24 ₽ is interest — 270.39% of the amount borrowed.

The same loan with differentiated payments: the first is 76 666.67 ₽ (16 666.67 ₽ of principal plus 60 000 ₽ of interest on the full debt), the last is 16 915.86 ₽. Total interest is 7 229 998.61 ₽ — noticeably less than the annuity, but the early payments are almost 15 000 ₽ heavier.

Frequently asked questions

How does an annuity differ from differentiated payments?

An annuity keeps one payment for the whole term: interest dominates at first, principal towards the end. Differentiated payments repay the principal in equal parts, so the payment starts at its maximum and declines. At the same rate the differentiated plan costs less in interest, but its early payments are much heavier — not every income qualifies.

Why does almost the whole early payment go to interest?

Interest is charged monthly on the remaining balance. While the debt is near the full loan amount, the interest share is large: in our example 60 000 ₽ of the first 61 732.46 ₽ payment is interest. As the principal shrinks, the split shifts.

How do I reduce the total interest?

A shorter term and a larger down payment work hardest: interest grows non-linearly with the term. Move the term from 20 to 15 years or raise the down payment — both headline figures recalculate instantly. Early repayments are modelled by the neighbouring “Loan contract” calculator.

Will this match my bank’s schedule?

The method is the one banks use: interest on the balance as balance * rate / 1200 rounded once, and the level payment from the annuity equation. Individual banks can differ by kopecks because of calendar payment dates and leap years; the legally binding schedule is the one attached to your contract.

What does a bigger down payment change?

Every ruble paid upfront is a ruble that earns the bank no interest for 20 years. In the example above a 1 500 000 ₽ down payment instead of 1 000 000 ₽ cuts the loan to 3 500 000 ₽ and shaves roughly an eighth off the interest. A larger down payment usually unlocks a lower rate too.

Does the calculator include insurance, fees or the tax refund?

No — only principal and interest. The full cost of a loan including fees is compared by the “Loan comparison” calculator, and the personal income tax refund on a home purchase and mortgage interest is computed by “Taxes and deductions”: up to 2 000 000 ₽ of purchase costs and up to 3 000 000 ₽ of mortgage interest.

How is a subsidised mortgage computed, and what happens above the cap?

Every programme has a rate and an amount cap that rate applies to: the family mortgage lends at 6% up to 6 000 000 ₽, and up to 12 000 000 ₽ in the Moscow and St Petersburg areas; the IT mortgage at 6% up to 9 000 000 ₽. While the loan fits under the cap, all of it is charged at the programme rate: the same 4 000 000 ₽ over 20 years comes to 28 657,24 ₽ a month instead of 61 732,46 ₽ at a market rate of 18%. Anything above the cap is lent at the market rate, as a second agreement: a 9 000 000 ₽ loan against a 6 000 000 ₽ cap is 6 000 000 ₽ at 6% plus 3 000 000 ₽ at 18% — a payment of 89 285,21 ₽ and an average rate of 10% per year. The programme terms come from the reference book, and the page says which publication they are from.