Calculate the real interest rate on the loan
30 Nov 2018 Read on to learn what the real interest rate is, how it effects the about all of those are going up (unless, of course, they are fixed-rate loans). And, as you can see in the equation, inflation directly affects the real interest rate. This free mortgage calculator lets you estimate your monthly house payment, including Find top real estate agents Adjustable-rate mortgages start with a " teaser" interest rate, and then the loan rate changes — higher or lower — over time.