Compare bank loans over 10, 15 and 25 years.
Put several banks’ offers side by side. See the monthly payment, the total interest and fees, and which offer is really the cheapest — for mortgages and other loans.
Estimates, not offers. The example rates are typical levels, not live bank quotes. Type in the numbers from the offers you’ve received. Nothing you type leaves this page.
Your loan
Pick a market to load typical offers, then change anything.
Bank offers
Up to five. Copy the rate, how long it’s fixed and the fees from each bank’s offer sheet.
Which offer is cheapest?
Monthly payment by term
The same offers over 10, 15 and 25 years. A longer term lowers the payment but adds interest. Green is the cheapest for each term.
Over time
Where lines cross, the cheaper offer changes. Useful if you might sell or refinance early.
How to pay less
What makes the biggest difference with these numbers.
Repayment schedule
How each payment splits between interest and the balance.
Keep going in Flowjar
Open the cheapest offer in the Flowjar app to try prepayments and refinancing, and add the monthly payment as a bill so it shows up in your 30-day forecast.
Free on Android. Coming soon on the App Store.
Coming soon on the App Store
How it’s worked out
What do the repayment types mean?
Equal payments (annuity; 元利均等 in Japan, 원리금균등 in Korea) keep the payment the same while the rate stays the same. Equal principal (元金均等, 원금균등, “linear”) repays the same part of the loan every month, so payments start higher and fall, and the total interest is lower. Interest only (만기일시, “in fine”) pays just the interest and the whole loan at the end.
How are “fixed, then another rate” offers handled?
The first rate applies for the fixed period. After it, the payment is worked out again on the remaining balance and term using the rate you enter under “Then”. Nobody knows future rates, so use the rate-rise test to see what a higher rate would do.
What’s in the total cost and the APR?
Total cost is all the interest plus the fees you enter: upfront fees (arrangement, valuation, guarantee) and monthly fees (account, required insurance). The APR spreads those fees over the loan, like the APRC in Europe (TAEG, TAE, effektiver Jahreszins), 実質年率 in Japan and 실질금리 in Korea. Taxes, notary costs and optional insurance are left out unless you add them as fees.
Where do the example rates come from?
They are rounded, typical levels from published 2025–26 averages, such as the European Central Bank’s bank rate statistics, Bank of England data, Japan’s Flat 35 rates and Korea’s Financial Supervisory Service comparison site (finlife.fss.or.kr). They are only a starting point: always use the rates on the offers you receive.
How is affordability checked?
The payment is compared with your take-home income using a common rule for each market: about 35% in Europe (France caps it at 35%), 25% in Japan, 40% in Korea (DSR, tested with a higher “stress” rate), 28% in the United States and 40% in Vietnam. Lenders use their own rules and count your other debts too.
Is what I type saved anywhere?
No. Everything is worked out in your browser. The numbers are kept in the part of the link after “#”, which browsers don’t send to our server, so you can bookmark or share a comparison.