Property tools

Mortgage calculator

Estimate your monthly payment, total interest and upfront cash in LKR. Use the rate your bank quotes you.

Property price (LKR)

Down payment (%)

Annual interest rate (%)

12% is an example rate, not a bank's offer. Enter the rate your bank quotes.

Loan term (years)

Extra monthly payment (LKR, optional)

Fees, stamp duty & legal costs (LKR, optional)

Household monthly income (LKR, optional)

The estimate updates as you type. Stamp duty and legal fees vary; enter the figures your lawyer or bank gives you.

Your estimate

Monthly payment: LKR 220,217.23
Loan amount: LKR 20,000,000.00
Total interest: LKR 32,852,132.24
Total repaid: LKR 52,852,132.24
Loan-to-value: 80%
Upfront cash: LKR 5,000,000.00
Interest saved by extra payments: LKR 0.00 (240 payments instead of 240)
Payment as share of income: %

Estimate only. Not a loan offer, approval or valuation; lenders set actual rates, fees and eligibility.

Download schedule (CSV)

Amortisation schedule (240 payments)

Month	Payment	Principal	Interest	Balance
1	220,217.23	20,217.23	200,000.00	19,979,782.77
2	220,217.23	20,419.40	199,797.83	19,959,363.37
3	220,217.23	20,623.60	199,593.63	19,938,739.77
4	220,217.23	20,829.83	199,387.40	19,917,909.94
5	220,217.23	21,038.13	199,179.10	19,896,871.81
6	220,217.23	21,248.51	198,968.72	19,875,623.30
7	220,217.23	21,461.00	198,756.23	19,854,162.30
8	220,217.23	21,675.61	198,541.62	19,832,486.69
9	220,217.23	21,892.36	198,324.87	19,810,594.33
10	220,217.23	22,111.29	198,105.94	19,788,483.04
11	220,217.23	22,332.40	197,884.83	19,766,150.64
12	220,217.23	22,555.72	197,661.51	19,743,594.92
13	220,217.23	22,781.28	197,435.95	19,720,813.64
14	220,217.23	23,009.09	197,208.14	19,697,804.55
15	220,217.23	23,239.18	196,978.05	19,674,565.37
16	220,217.23	23,471.58	196,745.65	19,651,093.79
17	220,217.23	23,706.29	196,510.94	19,627,387.50
18	220,217.23	23,943.35	196,273.88	19,603,444.15
19	220,217.23	24,182.79	196,034.44	19,579,261.36
20	220,217.23	24,424.62	195,792.61	19,554,836.74
21	220,217.23	24,668.86	195,548.37	19,530,167.88
22	220,217.23	24,915.55	195,301.68	19,505,252.33
23	220,217.23	25,164.71	195,052.52	19,480,087.62
24	220,217.23	25,416.35	194,800.88	19,454,671.27
25	220,217.23	25,670.52	194,546.71	19,429,000.75
26	220,217.23	25,927.22	194,290.01	19,403,073.53
27	220,217.23	26,186.49	194,030.74	19,376,887.04
28	220,217.23	26,448.36	193,768.87	19,350,438.68
29	220,217.23	26,712.84	193,504.39	19,323,725.84
30	220,217.23	26,979.97	193,237.26	19,296,745.87
31	220,217.23	27,249.77	192,967.46	19,269,496.10
32	220,217.23	27,522.27	192,694.96	19,241,973.83
33	220,217.23	27,797.49	192,419.74	19,214,176.34
34	220,217.23	28,075.47	192,141.76	19,186,100.87
35	220,217.23	28,356.22	191,861.01	19,157,744.65
36	220,217.23	28,639.78	191,577.45	19,129,104.87
37	220,217.23	28,926.18	191,291.05	19,100,178.69
38	220,217.23	29,215.44	191,001.79	19,070,963.25
39	220,217.23	29,507.60	190,709.63	19,041,455.65
40	220,217.23	29,802.67	190,414.56	19,011,652.98
41	220,217.23	30,100.70	190,116.53	18,981,552.28
42	220,217.23	30,401.71	189,815.52	18,951,150.57
43	220,217.23	30,705.72	189,511.51	18,920,444.85
44	220,217.23	31,012.78	189,204.45	18,889,432.07
45	220,217.23	31,322.91	188,894.32	18,858,109.16
46	220,217.23	31,636.14	188,581.09	18,826,473.02
47	220,217.23	31,952.50	188,264.73	18,794,520.52
48	220,217.23	32,272.02	187,945.21	18,762,248.50
49	220,217.23	32,594.74	187,622.49	18,729,653.76
50	220,217.23	32,920.69	187,296.54	18,696,733.07
51	220,217.23	33,249.90	186,967.33	18,663,483.17
52	220,217.23	33,582.40	186,634.83	18,629,900.77
53	220,217.23	33,918.22	186,299.01	18,595,982.55
54	220,217.23	34,257.40	185,959.83	18,561,725.15
55	220,217.23	34,599.98	185,617.25	18,527,125.17
56	220,217.23	34,945.98	185,271.25	18,492,179.19
57	220,217.23	35,295.44	184,921.79	18,456,883.75
58	220,217.23	35,648.39	184,568.84	18,421,235.36
59	220,217.23	36,004.88	184,212.35	18,385,230.48
60	220,217.23	36,364.93	183,852.30	18,348,865.55
61	220,217.23	36,728.57	183,488.66	18,312,136.98
62	220,217.23	37,095.86	183,121.37	18,275,041.12
63	220,217.23	37,466.82	182,750.41	18,237,574.30
64	220,217.23	37,841.49	182,375.74	18,199,732.81
65	220,217.23	38,219.90	181,997.33	18,161,512.91
66	220,217.23	38,602.10	181,615.13	18,122,910.81
67	220,217.23	38,988.12	181,229.11	18,083,922.69
68	220,217.23	39,378.00	180,839.23	18,044,544.69
69	220,217.23	39,771.78	180,445.45	18,004,772.91
70	220,217.23	40,169.50	180,047.73	17,964,603.41
71	220,217.23	40,571.20	179,646.03	17,924,032.21
72	220,217.23	40,976.91	179,240.32	17,883,055.30
73	220,217.23	41,386.68	178,830.55	17,841,668.62
74	220,217.23	41,800.54	178,416.69	17,799,868.08
75	220,217.23	42,218.55	177,998.68	17,757,649.53
76	220,217.23	42,640.73	177,576.50	17,715,008.80
77	220,217.23	43,067.14	177,150.09	17,671,941.66
78	220,217.23	43,497.81	176,719.42	17,628,443.85
79	220,217.23	43,932.79	176,284.44	17,584,511.06
80	220,217.23	44,372.12	175,845.11	17,540,138.94
81	220,217.23	44,815.84	175,401.39	17,495,323.10
82	220,217.23	45,264.00	174,953.23	17,450,059.10
83	220,217.23	45,716.64	174,500.59	17,404,342.46
84	220,217.23	46,173.81	174,043.42	17,358,168.65
85	220,217.23	46,635.54	173,581.69	17,311,533.11
86	220,217.23	47,101.90	173,115.33	17,264,431.21
87	220,217.23	47,572.92	172,644.31	17,216,858.29
88	220,217.23	48,048.65	172,168.58	17,168,809.64
89	220,217.23	48,529.13	171,688.10	17,120,280.51
90	220,217.23	49,014.42	171,202.81	17,071,266.09
91	220,217.23	49,504.57	170,712.66	17,021,761.52
92	220,217.23	49,999.61	170,217.62	16,971,761.91
93	220,217.23	50,499.61	169,717.62	16,921,262.30
94	220,217.23	51,004.61	169,212.62	16,870,257.69
95	220,217.23	51,514.65	168,702.58	16,818,743.04
96	220,217.23	52,029.80	168,187.43	16,766,713.24
97	220,217.23	52,550.10	167,667.13	16,714,163.14
98	220,217.23	53,075.60	167,141.63	16,661,087.54
99	220,217.23	53,606.35	166,610.88	16,607,481.19
100	220,217.23	54,142.42	166,074.81	16,553,338.77
101	220,217.23	54,683.84	165,533.39	16,498,654.93
102	220,217.23	55,230.68	164,986.55	16,443,424.25
103	220,217.23	55,782.99	164,434.24	16,387,641.26
104	220,217.23	56,340.82	163,876.41	16,331,300.44
105	220,217.23	56,904.23	163,313.00	16,274,396.21
106	220,217.23	57,473.27	162,743.96	16,216,922.94
107	220,217.23	58,048.00	162,169.23	16,158,874.94
108	220,217.23	58,628.48	161,588.75	16,100,246.46
109	220,217.23	59,214.77	161,002.46	16,041,031.69
110	220,217.23	59,806.91	160,410.32	15,981,224.78
111	220,217.23	60,404.98	159,812.25	15,920,819.80
112	220,217.23	61,009.03	159,208.20	15,859,810.77
113	220,217.23	61,619.12	158,598.11	15,798,191.65
114	220,217.23	62,235.31	157,981.92	15,735,956.34
115	220,217.23	62,857.67	157,359.56	15,673,098.67
116	220,217.23	63,486.24	156,730.99	15,609,612.43
117	220,217.23	64,121.11	156,096.12	15,545,491.32
118	220,217.23	64,762.32	155,454.91	15,480,729.00
119	220,217.23	65,409.94	154,807.29	15,415,319.06
120	220,217.23	66,064.04	154,153.19	15,349,255.02
121	220,217.23	66,724.68	153,492.55	15,282,530.34
122	220,217.23	67,391.93	152,825.30	15,215,138.41
123	220,217.23	68,065.85	152,151.38	15,147,072.56
124	220,217.23	68,746.50	151,470.73	15,078,326.06
125	220,217.23	69,433.97	150,783.26	15,008,892.09
126	220,217.23	70,128.31	150,088.92	14,938,763.78
127	220,217.23	70,829.59	149,387.64	14,867,934.19
128	220,217.23	71,537.89	148,679.34	14,796,396.30
129	220,217.23	72,253.27	147,963.96	14,724,143.03
130	220,217.23	72,975.80	147,241.43	14,651,167.23
131	220,217.23	73,705.56	146,511.67	14,577,461.67
132	220,217.23	74,442.61	145,774.62	14,503,019.06
133	220,217.23	75,187.04	145,030.19	14,427,832.02
134	220,217.23	75,938.91	144,278.32	14,351,893.11
135	220,217.23	76,698.30	143,518.93	14,275,194.81
136	220,217.23	77,465.28	142,751.95	14,197,729.53
137	220,217.23	78,239.93	141,977.30	14,119,489.60
138	220,217.23	79,022.33	141,194.90	14,040,467.27
139	220,217.23	79,812.56	140,404.67	13,960,654.71
140	220,217.23	80,610.68	139,606.55	13,880,044.03
141	220,217.23	81,416.79	138,800.44	13,798,627.24
142	220,217.23	82,230.96	137,986.27	13,716,396.28
143	220,217.23	83,053.27	137,163.96	13,633,343.01
144	220,217.23	83,883.80	136,333.43	13,549,459.21
145	220,217.23	84,722.64	135,494.59	13,464,736.57
146	220,217.23	85,569.86	134,647.37	13,379,166.71
147	220,217.23	86,425.56	133,791.67	13,292,741.15
148	220,217.23	87,289.82	132,927.41	13,205,451.33
149	220,217.23	88,162.72	132,054.51	13,117,288.61
150	220,217.23	89,044.34	131,172.89	13,028,244.27
151	220,217.23	89,934.79	130,282.44	12,938,309.48
152	220,217.23	90,834.14	129,383.09	12,847,475.34
153	220,217.23	91,742.48	128,474.75	12,755,732.86
154	220,217.23	92,659.90	127,557.33	12,663,072.96
155	220,217.23	93,586.50	126,630.73	12,569,486.46
156	220,217.23	94,522.37	125,694.86	12,474,964.09
157	220,217.23	95,467.59	124,749.64	12,379,496.50
158	220,217.23	96,422.26	123,794.97	12,283,074.24
159	220,217.23	97,386.49	122,830.74	12,185,687.75
160	220,217.23	98,360.35	121,856.88	12,087,327.40
161	220,217.23	99,343.96	120,873.27	11,987,983.44
162	220,217.23	100,337.40	119,879.83	11,887,646.04
163	220,217.23	101,340.77	118,876.46	11,786,305.27
164	220,217.23	102,354.18	117,863.05	11,683,951.09
165	220,217.23	103,377.72	116,839.51	11,580,573.37
166	220,217.23	104,411.50	115,805.73	11,476,161.87
167	220,217.23	105,455.61	114,761.62	11,370,706.26
168	220,217.23	106,510.17	113,707.06	11,264,196.09
169	220,217.23	107,575.27	112,641.96	11,156,620.82
170	220,217.23	108,651.02	111,566.21	11,047,969.80
171	220,217.23	109,737.53	110,479.70	10,938,232.27
172	220,217.23	110,834.91	109,382.32	10,827,397.36
173	220,217.23	111,943.26	108,273.97	10,715,454.10
174	220,217.23	113,062.69	107,154.54	10,602,391.41
175	220,217.23	114,193.32	106,023.91	10,488,198.09
176	220,217.23	115,335.25	104,881.98	10,372,862.84
177	220,217.23	116,488.60	103,728.63	10,256,374.24
178	220,217.23	117,653.49	102,563.74	10,138,720.75
179	220,217.23	118,830.02	101,387.21	10,019,890.73
180	220,217.23	120,018.32	100,198.91	9,899,872.41
181	220,217.23	121,218.51	98,998.72	9,778,653.90
182	220,217.23	122,430.69	97,786.54	9,656,223.21
183	220,217.23	123,655.00	96,562.23	9,532,568.21
184	220,217.23	124,891.55	95,325.68	9,407,676.66
185	220,217.23	126,140.46	94,076.77	9,281,536.20
186	220,217.23	127,401.87	92,815.36	9,154,134.33
187	220,217.23	128,675.89	91,541.34	9,025,458.44
188	220,217.23	129,962.65	90,254.58	8,895,495.79
189	220,217.23	131,262.27	88,954.96	8,764,233.52
190	220,217.23	132,574.89	87,642.34	8,631,658.63
191	220,217.23	133,900.64	86,316.59	8,497,757.99
192	220,217.23	135,239.65	84,977.58	8,362,518.34
193	220,217.23	136,592.05	83,625.18	8,225,926.29
194	220,217.23	137,957.97	82,259.26	8,087,968.32
195	220,217.23	139,337.55	80,879.68	7,948,630.77
196	220,217.23	140,730.92	79,486.31	7,807,899.85
197	220,217.23	142,138.23	78,079.00	7,665,761.62
198	220,217.23	143,559.61	76,657.62	7,522,202.01
199	220,217.23	144,995.21	75,222.02	7,377,206.80
200	220,217.23	146,445.16	73,772.07	7,230,761.64
201	220,217.23	147,909.61	72,307.62	7,082,852.03
202	220,217.23	149,388.71	70,828.52	6,933,463.32
203	220,217.23	150,882.60	69,334.63	6,782,580.72
204	220,217.23	152,391.42	67,825.81	6,630,189.30
205	220,217.23	153,915.34	66,301.89	6,476,273.96
206	220,217.23	155,454.49	64,762.74	6,320,819.47
207	220,217.23	157,009.04	63,208.19	6,163,810.43
208	220,217.23	158,579.13	61,638.10	6,005,231.30
209	220,217.23	160,164.92	60,052.31	5,845,066.38
210	220,217.23	161,766.57	58,450.66	5,683,299.81
211	220,217.23	163,384.23	56,833.00	5,519,915.58
212	220,217.23	165,018.07	55,199.16	5,354,897.51
213	220,217.23	166,668.25	53,548.98	5,188,229.26
214	220,217.23	168,334.94	51,882.29	5,019,894.32
215	220,217.23	170,018.29	50,198.94	4,849,876.03
216	220,217.23	171,718.47	48,498.76	4,678,157.56
217	220,217.23	173,435.65	46,781.58	4,504,721.91
218	220,217.23	175,170.01	45,047.22	4,329,551.90
219	220,217.23	176,921.71	43,295.52	4,152,630.19
220	220,217.23	178,690.93	41,526.30	3,973,939.26
221	220,217.23	180,477.84	39,739.39	3,793,461.42
222	220,217.23	182,282.62	37,934.61	3,611,178.80
223	220,217.23	184,105.44	36,111.79	3,427,073.36
224	220,217.23	185,946.50	34,270.73	3,241,126.86
225	220,217.23	187,805.96	32,411.27	3,053,320.90
226	220,217.23	189,684.02	30,533.21	2,863,636.88
227	220,217.23	191,580.86	28,636.37	2,672,056.02
228	220,217.23	193,496.67	26,720.56	2,478,559.35
229	220,217.23	195,431.64	24,785.59	2,283,127.71
230	220,217.23	197,385.95	22,831.28	2,085,741.76
231	220,217.23	199,359.81	20,857.42	1,886,381.95
232	220,217.23	201,353.41	18,863.82	1,685,028.54
233	220,217.23	203,366.94	16,850.29	1,481,661.60
234	220,217.23	205,400.61	14,816.62	1,276,260.99
235	220,217.23	207,454.62	12,762.61	1,068,806.37
236	220,217.23	209,529.17	10,688.06	859,277.20
237	220,217.23	211,624.46	8,592.77	647,652.74
238	220,217.23	213,740.70	6,476.53	433,912.04
239	220,217.23	215,878.11	4,339.12	218,033.93
240	220,214.27	218,033.93	2,180.34	0.00

How it works

We use the standard fixed-rate amortisation formula: the monthly rate is the annual rate ÷ 12, and every payment covers that month's interest first. Payments are rounded to the cent and the final payment clears any rounding difference.

This is an estimate, not a loan offer or approval. Banks set rates, fees and eligibility, and variable rates change over the loan.

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