Loan Payment
Calculate payment amount, total interest, payoff timing, and the effect of extra payments on a fixed-rate loan. Compare two loan scenarios side by side.
Estimates only — not financial advice.
1Input Details
Scenario A
€
%
€
Optional. Used to calculate the payoff date.
Cumulative principal vs interest
PrincipalInterest
How it works
How to use
- Enter amount borrowed, annual rate, term, payments per year, and optional extra principal each period.
- Add a loan start date if you want an estimated payoff calendar date.
- Use compare mode to contrast two loans (rate, term, or extra payment).
How it works
The periodic payment solves the standard fixed-rate amortization (PMT) formula. Total paid is payment × number of periods (plus extras if any). With extra payments, the schedule shortens and interest saved is versus the no-extra baseline.