Loan calculator with no guesswork.
Enter the amount, interest rate and term. Add approval, notary, appraisal and insurance costs — get the monthly payment, total interest and an estimate of the effective interest rate (APR).
Loan parameters
One-off costs
Monthly costs
Monthly payment
312,98 €
With monthly costs: 323,98 €
Total interest
27.893,84 €
Total repaid
93.893,84 €
One-off costs
1.417,44 €
Monthly costs (total)
3.300,00 €
Total cost of the loan
98.611,28 €
APR (estimate)
3,58 %
Monthly cost assumptions
Items the bank charges in addition to the annuity each month. In the calculation we add them to the payment and multiply by the number of payments for the total cost.
- € / month
- € / month
- Sum of monthly costs11,00 € / month
Total monthly outlay
312,98 € + 11,00 € = 323,98 €
Contribution to total cost
11,00 € × 300 = 3.300,00 €
Monthly costs do not affect the calculation of principal and interest — the annuity stays the same. They do increase the total cost of the loan and the APR, because you pay them every month in addition to the payment.
Amortization — first 12 payments
| Payment | Interest | Principal | Balance |
|---|---|---|---|
| 1 | 165,00 € | 147,98 € | 65.852,02 € |
| 2 | 164,63 € | 148,35 € | 65.703,67 € |
| 3 | 164,26 € | 148,72 € | 65.554,95 € |
| 4 | 163,89 € | 149,09 € | 65.405,86 € |
| 5 | 163,51 € | 149,46 € | 65.256,39 € |
| 6 | 163,14 € | 149,84 € | 65.106,56 € |
| 7 | 162,77 € | 150,21 € | 64.956,34 € |
| 8 | 162,39 € | 150,59 € | 64.805,75 € |
| 9 | 162,01 € | 150,97 € | 64.654,79 € |
| 10 | 161,64 € | 151,34 € | 64.503,45 € |
| 11 | 161,26 € | 151,72 € | 64.351,73 € |
| 12 | 160,88 € | 152,10 € | 64.199,63 € |
The calculation is based on annuity repayment with a fixed interest rate. The APR is an estimate that includes one-off and monthly costs; the actual bank offer may differ. This content is not financial advice.