Amortization Schedule
Build a full payment-by-payment amortization schedule (Tilgungsplan) for a fixed-rate loan. Enter term or German-style initial Tilgung plus interest to get principal/interest split, optional extra payments, yearly rollups, and remaining balance.
Estimates only — not financial advice.
1Input Details
Tilgung is the German mortgage style: set interest and initial repayment, then read the derived term.
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How it works
How to use
- Choose By term to enter years and get the payment, or By Tilgung to enter initial repayment % and get the term plus Tilgungsplan.
- Typical German mortgages use 1–3% initial Tilgung. The repayment share of each payment rises over time.
- Expand the first 12 payments, the full schedule, or the yearly summary under the charts.
How it works
Term mode uses the standard PMT formula. Tilgung mode sets the constant annuity to principal × (interest + Tilgung) / payments per year, then runs until the balance is repaid (capped at 50 years). Each period: interest = rate × remaining balance; principal = payment − interest.
Remaining balance over time
Principal vs interest by year
First 12 payments
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 1.432,25 € | 432,25 € | 1.000,00 € | 299.567,75 € |
| 2 | 1.432,25 € | 433,69 € | 998,56 € | 299.134,07 € |
| 3 | 1.432,25 € | 435,13 € | 997,11 € | 298.698,94 € |
| 4 | 1.432,25 € | 436,58 € | 995,66 € | 298.262,35 € |
| 5 | 1.432,25 € | 438,04 € | 994,21 € | 297.824,31 € |
| 6 | 1.432,25 € | 439,50 € | 992,75 € | 297.384,82 € |
| 7 | 1.432,25 € | 440,96 € | 991,28 € | 296.943,85 € |
| 8 | 1.432,25 € | 442,43 € | 989,81 € | 296.501,42 € |
| 9 | 1.432,25 € | 443,91 € | 988,34 € | 296.057,51 € |
| 10 | 1.432,25 € | 445,39 € | 986,86 € | 295.612,12 € |
| 11 | 1.432,25 € | 446,87 € | 985,37 € | 295.165,25 € |
| 12 | 1.432,25 € | 448,36 € | 983,88 € | 294.716,89 € |
| Final | 1.432,25 € | 1.427,49 € | 4,76 € | 0,00 € |