B3 Wealth & Financial Planning
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Loan & Mortgage Calculator.

A loan is quoted as a monthly repayment — a comfortable-looking number. What it rarely shows you is the total interest you hand over across the years, or how much a small overpayment quietly saves.

Put in the amount, the rate and the term. See the repayment, the true lifetime cost, and where the room to improve it sits — the same lens B3 uses with clients before they sign, opened up for anyone.

Before you type a single number: nothing you enter here leaves this page. The sums happen in your browser and disappear when you close it. No storage, no tracking of your figures, no follow-up you didn't ask for.
Your loan

The loan

The loan or mortgage principal.
The reducing-balance rate the bank quotes. If you were quoted a "flat" rate, the true cost is higher — worth asking.
How long you'll repay over.
Anything you'd add on top of the required repayment. Leave at 0 if none — we'll still show you what a little would do.
To run the numbers we need the amount, the interest rate and the term.

Estimates are fine. The shape of the cost matters more than the decimals.

What this loan really costs
— IS INTEREST
—

Monthly repayment
—
the required payment each month
Total interest
—
what the borrowing costs on top of the amount
Total you repay
—
amount + interest over the full term
Paid off in
—
time to clear the loan
Indicative only. A quick picture, not a plan or personalised advice. Always check official sources or speak to an adviser before you act — what these numbers mean for you is the conversation.

The next step — if you want one

Before you sign, know whether this is the right debt, at the right cost.

A repayment on a screen can't see the fee-loaded APR behind a low headline rate, the Mauritius home-loan interest relief you may be owed, whether overpaying beats investing, or whether you should be borrowing this much at all. That's what a conversation is for. Fifteen minutes, no charge, and we'll tell you plainly whether B3 is the right fit — including when it isn't.

What the fifteen minutes actually is
  • You talk, we listen — the purchase, the loan on the table, and what's on your mind.
  • You leave with one or two honest observations, free, whether or not we ever work together.
  • If B3 can help, we'll show you how. If it can't, we'll say so plainly. No product, no pitch.
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