Set your inputs and units
Enter amounts in THB and choose a period and rate basis that match the scenario you want to model.
Mortgage and overpayments
Model a mortgage with stepped interest rates, overpayments and an explicit interest-rate stress scenario.
Result
Enter your assumptions and calculate payments and remaining debt.
Monthly model: interest and payments round to cents; the final payment clears the balance. Extra payments follow interest and regular payment. Total payments already include extras.
Rate periods and income are your assumptions. Debt-to-income is not a bank approval threshold. A fixed-payment stress scenario that cannot pay off returns an error.
This is an estimate, not a loan offer or an exact lender statement.
How to use this calculator
Check the assumptions
Review contribution timing, day-count basis or reserve duration. Financial products do not all use the same rules.
Calculate and compare
Read the result and table, then change inputs to compare. Copy the result or reset without leaving this page.
A worked example
Illustrative calculation
A 120,000 THB mortgage at 0% over 12 months has a 10,000 THB payment. Adding 2,000 THB monthly clears it in 10 months.
Compare a second scenario
Copy your first result, then change only the amount or duration to see how that assumption changes the outcome.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
Does this match a bank statement or guarantee a return?
This is an estimate under your assumptions, not a guaranteed return. Actual payment dates, fees, taxes and contractual rounding can change the result.