Loan calculator
The loan calculator computes the monthly installment, total interest, and total amount payable for a given amount, term and interest rate. Compare scenarios (fixed rate or EURIBOR + margin) and quickly see how changes affect the loan cost. The calculation is informational. Numbers use European format (e.g. 50.000 for fifty thousand, 5,50 for five point five).
Advanced settings
One-off prepayment: enter the amount and the month (0 = none). Month 1 means the first month after drawdown.
Result
Monthly installment –
Total interest –
Total interest (without prepayments) –
Intercalary interest –
Principal after moratorium –
Total to repay –
Effective term –
Interest saved –
Loan amortization
Amortization schedule
| Month | Installment | Interest | Principal | Prepayment | Balance |
|---|---|---|---|---|---|
| – | |||||
Why does this matter?
- You can compare different scenarios (term, interest rate) and quickly see how changes affect the monthly installment and total cost.
- It helps you decide whether a fixed rate or a variable one (EURIBOR + margin) makes more sense, and how much early repayment or extra contributions can save you.
FAQ
Does the calculator include all loan costs (insurance, arrangement)? +
No. The calculation is simplified and based on the interest rate, term and the additional settings in the calculator. For a more accurate comparison of offers, use APR and check the costs with the bank.
What does EURIBOR + margin mean? +
The total interest rate is the sum of the reference rate (EURIBOR, e.g. 3M or 6M) and the bank margin. If EURIBOR changes, your installment may change too.
Why can my installment change with a variable rate? +
With a variable rate, the rate is periodically adjusted (e.g. every 3 or 6 months). If EURIBOR rises, your installment or total cost may rise as well.
How do prepayments affect the loan? +
Prepayments reduce the principal, so the loan can be repaid earlier and total interest is reduced. Check with the bank for any early-repayment fees.
Is the calculation binding? +
No. The calculation is informational. Final terms depend on the bank offer, your credit standing, collateral, and other costs.