Loan Payment
Calculate payment amount, total interest, payoff timing, and the effect of extra payments on a fixed-rate loan. Use term mode or German-style Tilgung (initial repayment %) to derive the annuity and Tilgungsplan. Compare two loan scenarios side by side.
Estimates only — not financial advice.
1Input Details
Tilgung is the German mortgage style: set interest and initial repayment, then read the derived term.
Scenario A
€
%
€
Optional. Used to calculate the payoff date.
How it works
How to use
- Choose By term for the usual payment-from-years calculation, or By Tilgung to set interest plus initial repayment % and read the derived term and Tilgungsplan.
- Add a loan start date if you want an estimated payoff calendar date.
- Use compare mode to contrast two loans (rate, term, Tilgung, or extra payment).
How it works
Term mode solves the standard PMT formula. Tilgung mode sets the constant annuity to principal × (interest + Tilgung) / payments per year; the repayment share of each payment rises as the balance falls. This is anfängliche Tilgung, not a binding credit offer.
Remaining balance over time
Cumulative principal vs interest
First 12 payments
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 1.193,54 € | 360,20 € | 833,33 € | 249.639,80 € |
| 2 | 1.193,54 € | 361,41 € | 832,13 € | 249.278,39 € |
| 3 | 1.193,54 € | 362,61 € | 830,93 € | 248.915,78 € |
| 4 | 1.193,54 € | 363,82 € | 829,72 € | 248.551,96 € |
| 5 | 1.193,54 € | 365,03 € | 828,51 € | 248.186,93 € |
| 6 | 1.193,54 € | 366,25 € | 827,29 € | 247.820,68 € |
| 7 | 1.193,54 € | 367,47 € | 826,07 € | 247.453,21 € |
| 8 | 1.193,54 € | 368,69 € | 824,84 € | 247.084,52 € |
| 9 | 1.193,54 € | 369,92 € | 823,62 € | 246.714,59 € |
| 10 | 1.193,54 € | 371,16 € | 822,38 € | 246.343,44 € |
| 11 | 1.193,54 € | 372,39 € | 821,14 € | 245.971,04 € |
| 12 | 1.193,54 € | 373,63 € | 819,90 € | 245.597,41 € |
| Final | 1.193,54 € | 1.189,57 € | 3,97 € | 0,00 € |