Repayment Calculator

What your monthly repayment comes to

Choose the amount, the term and the rate. We show the estimated repayment and how it changes if Euribor moves. No personal details, no hidden rate.

Loan amount

€

Term30 years

Euribor term

Euribor 6M2.71 %· August 2026 monthly average · Banco de Portugal

Spread0.90 %The bank’s margin. In Portugal it is usually 0.8% to 1.2%.

2.71 %+0.90 %=Nominal rate3.61 %

Estimated repayment

€911/month

At a 3.61 % nominal rate, over 30 years.

If Euribor rises

Today€911

+1 pp€1,027

+2 pp€1,150

An indicative estimate, not a credit offer. The Euribor shown is the monthly average for the period given, as published by Banco de Portugal, which is the basis used in mortgage contracts. Your actual repayment depends on the bank’s assessment.

Euribor® is a registered trademark of the European Money Markets Institute. Monthly averages published by Banco de Portugal (BPstat).

Check affordability

See your affordability ratio in the full calculator.

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How we work it out

What this estimate includes, and what it does not

The repayment is calculated with the constant-repayment (French) method, the same one banks use: from the amount, the term and the nominal rate, we return the monthly capital-and-interest repayment.

On a variable rate, the nominal rate is Euribor plus the bank’s spread. We use the latest Euribor monthly average published by Banco de Portugal and let you set the spread, so nothing is hidden. Because Euribor moves, a variable-rate repayment moves too, which is why we show the effect of a rise.

The estimate leaves out insurance, fees, taxes and other charges, and does not replace the bank’s assessment. To see whether the repayment fits your budget against the required ratios, use the Affordability Calculator.