Austria mortgage calculator 2026
Enter the loan amount, interest rate and term to see the monthly payment under the Austrian mortgage market.
Monthly payment: €1,348.81
Total paid: €485,571.27 · Total interest: €185,571.27
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | €10,438.12 | €5,747.60 | €294,252.40 |
| 2 | €10,233.11 | €5,952.61 | €288,299.79 |
| 3 | €10,020.78 | €6,164.94 | €282,134.85 |
| 4 | €9,800.87 | €6,384.85 | €275,750.00 |
| 5 | €9,573.12 | €6,612.60 | €269,137.40 |
| 6 | €9,337.25 | €6,848.47 | €262,288.93 |
| 7 | €9,092.97 | €7,092.75 | €255,196.18 |
| 8 | €8,839.97 | €7,345.75 | €247,850.43 |
| 9 | €8,577.93 | €7,607.79 | €240,242.64 |
| 10 | €8,306.56 | €7,879.16 | €232,363.48 |
| … | |||
| 30 | €303.56 | €15,881.83 | €0.00 |
Bank rate comparison — Market average: 3.51 % (2026-05)
This calculation is indicative only. The market average is a snapshot as of the date shown. It does not replace a binding bank offer.
How an Austrian mortgage payment is calculated
A mortgage is repaid on an annuity basis — the payment stays constant during the fixed-rate period, only the interest/principal split changes.
M = P × i / (1 − (1 + i)⁻ⁿ), where P is the loan amount, i is the monthly rate (annual rate / 12) and n is the number of payments (years × 12).
Total interest is the difference between the sum of all payments and the original loan amount.
Austrian banks don't publish uniform rate tables (individual creditworthiness, broker market) — the calculator therefore shows only the market average.
Examples: loan amount → monthly payment (default rate, 30 years)
| Loan amount | Monthly payment |
|---|---|
| €150,000.00 | €674.40 |
| €250,000.00 | €1,124.01 |
| €350,000.00 | €1,573.61 |
| €450,000.00 | €2,023.21 |
| €600,000.00 | €2,697.62 |
| €800,000.00 | €3,596.82 |
Frequently asked questions
How is the monthly mortgage payment calculated?
On an annuity basis, using M = P × i / (1 − (1+i)⁻ⁿ).
What is total interest?
The difference between the sum of all payments and the original loan amount.
Why doesn't the calculator compare specific banks?
Austrian banks don't have public rate tables — the rate is set individually based on creditworthiness, often via a broker.
What's the difference between a fixed and variable rate in Austria?
The variable rate (linked to Euribor) is more common here than elsewhere and can change throughout the term. A fixed rate (e.g. 10 years) gives certainty but is usually higher.
How much can I borrow on my income?
That's answered by the separate mortgage affordability calculator, applying the FMA recommendations (DSTI 40%, LTV 90%).
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Last updated: 18 July 2026