Calculate the monthly payment, total interest and credit cost for a French mortgage or loan. Includes assurance emprunteur.
How to use the Loan Calculator
Enter the loan amount, the annual interest rate and the term in years.
Add the assurance emprunteur rate under Insurance to include the insurance premium in the total.
See the monthly payment, total interest, insurance cost and the full credit cost.
This calculator applies the standard annuity formula used by French banks for pret immobilier and credit a la consommation. Enter the loan amount, rate and term to get the monthly payment and the full breakdown of interest and insurance costs.
The annuity formula spreads the loan into equal monthly payments across the term, so each payment covers part interest and part capital.
It works for both a French mortgage (pret immobilier) and a consumer loan (credit a la consommation), and it includes assurance emprunteur in the cost breakdown.
The output shows the monthly payment along with the total interest and total credit cost over the life of the loan, so you can see what the borrowing adds up to beyond the amount you receive.
All calculations run in your browser and no data is sent to any server. This is a planning tool only and does not constitute a credit offer. The figures a lender quotes may differ from this estimate.
Frequently asked questions
The monthly payment uses the standard annuity formula: principal multiplied by the monthly rate, divided by one minus (one plus the monthly rate) to the power of minus the number of months. This gives a fixed payment that covers interest and capital repayment every month.
Assurance emprunteur is a life and disability insurance policy that most French lenders require for mortgage loans. It protects the lender if the borrower cannot repay. The cost is typically expressed as a percentage of the initial capital per year, commonly between 0.10 % and 0.50 %.
The taux nominal (nominal rate) is the base interest rate on the loan. The TAEG (taux annuel effectif global) includes the nominal rate plus insurance, arrangement fees and any other mandatory costs. Always compare TAEG figures, not just the nominal rate, when shopping for a loan.
This calculator works for any standard amortizing loan with a fixed monthly payment, including mortgage loans (pret immobilier), consumer credit and personal loans. It does not cover variable-rate loans or in-fine structures.
This tool is for general information only and is not financial, tax, or legal advice. Results are estimates that depend on your situation and current rules, so check the official source or a qualified professional before you act.
Embed this tool
Add this tool to your own website. Copy the snippet below; it stays up to date automatically.
<iframe src="https://monu.tools/embed/en/calculateur-pret" width="100%" height="640" style="border:1px solid #e5e5e5;border-radius:12px;max-width:680px" loading="lazy" title="Monu Tools"></iframe>Learn more
How French Loans and Mortgages Work: Monthly Payment, TAEG, and Insurance (2026)
How the annuity formula works for French pret immobilier, what the TAEG includes, and how assurance emprunteur adds to your monthly cost. With a worked example.
How French Income Tax Works in 2026 (Barème, Parts, Décote)
A plain-English guide to French income tax on 2025 income: the 2026 barème, the quotient familial, the plafonnement and the décote, with a worked example.
How French VAT (TVA) Works: Rates, HT vs TTC, and a Worked Example (2026)
The four French TVA rates for 2026, what HT and TTC mean, a worked calculation example, and which rate applies to which goods.
French Gross to Net Salary: How the Deductions Work in 2026
A plain-English guide to French payslip deductions in 2026: vieillesse, Agirc-Arrco, CSG/CRDS, and a worked 3,000 EUR example.
How the French State Pension Is Calculated: SAM, Taux Plein, and Decote (2026)
How the French regime general base pension is calculated: SAM, the PASS ceiling, the 50% taux plein, the 1.25% decote per missing quarter, and worked examples.
Related tools
Estimate French income tax on 2025 income using the official 2026 barème, with the quotient familial (parts), plafonnement and décote.
Calculate French TVA: enter an amount HT or TTC and get the breakdown at 20 %, 10 %, 5.5 %, or 2.1 %.
Convert a French monthly gross salary to net in seconds. Based on the official 2026 employee contribution rates: vieillesse, Agirc-Arrco, CSG/CRDS.
Estimate your French base-regime state pension (régime général). Enter your average salary, quarters validated and required, and see the monthly pension with taux plein or decote applied.