Outstanding mortgage balance calculator UK
Estimate a repayment mortgage balance after a chosen number of payments. Check the formula, worked example and limits before using your own figures.
Enter your figures
Estimated remaining balance
Inputs changed. Select Calculate result to update your estimate.
Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Assumes unchanged rate, monthly payments, no arrears, fees or overpayments.
How the outstanding mortgage balance calculator uk works
Calculate the scheduled payment, then reduce the balance month by month for the payments entered.
Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.
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Worked example: outstanding mortgage balance
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Starting mortgage (£)
- 200,000
- Nominal annual interest (%)
- 4.5
- Original term (years)
- 25
- Monthly payments made
- 60
Estimated remaining balance: £175,715.81
Calculate the scheduled payment, then reduce the balance month by month for the payments entered.
Outstanding mortgage balance: questions answered
What does the outstanding mortgage balance calculation include?
Calculate the scheduled payment, then reduce the balance month by month for the payments entered. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Assumes unchanged rate, monthly payments, no arrears, fees or overpayments.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
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