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Free Home Loan Calculator · Kashf by Axiom Zones

Home Loan & Mortgage Calculator
True Cost Revealed

Reveal the true IRR of your mortgage. See the real 30-year cost and compare with Islamic Murabaha financing.

احسب التكلفة الحقيقية لقرض منزلك

اكتشف التكلفة الحقيقية لتمويل منزلك مقارنةً بالمرابحة الإسلامية

Advertised APR
6%
True IRR
Beauty Score
Monthly Payment
Total You Pay
Total Interest
How It Works

Why Your Home Loan Costs More Than You Think

📊 APR vs IRR

Banks advertise APR calculated on the original balance. IRR calculates the true cost accounting for balance reduction. The gap is always significant.

🎭 Beautification Score

Our proprietary metric (0-100) measures how much the bank hides. Score 70+ means significant hidden costs you were not told about.

💰 Hidden Fees

Administrative fees, insurance, and service charges are often added to the loan and accrue interest — increasing the true cost silently.

☪️ Islamic Alternative

Murabaha financing from Islamic banks is often competitively priced or cheaper. Always compare before signing any contract.

FAQ

Common Questions

Full Analysis on Kashf

Compare multiple banks, Islamic alternatives, refinancing options and more