Loan calculator

Your bank may use a different algorithm to calculate your payments.

Privacy - Manual

Everything is calculated in your browser.
If your browser allows it, usage statistics are recorded.

Starting cost or any other fees (mortgage fee, appraisal etc.) are not included.
This calculator is suitable for annuity loans only. (Fixed, monthly payments)
Prepayment: click on the 💰 in the row of the month, when the prepayment was done. You can choose whether you want to decrease the term and keep paying the same monthly payment or keep the term and decrease the monthly payment.
Rate change: click on the 📈 in the row of the month, from which the new rate takes effect.
Comparison: click on the 🆚 to set the baseline and start chaning the parameters (term, amount etc). The difference between the baseline and the current value is displayed in parentheses.
Pin to top: click on the 📌 to stick a parameter to the top of the screen. It remains visible even if you scroll down.

Amount📌⭕

Term📌⭕

months

Interest rate📌⭕

Monthly payment📌🎯

Monthly payment🆚

1,945

Total Interest🆚

33,413

Capital: 86%

Start Date

Date	Payment	Principal	Interest	Balance
2025-03-15	1,945	1,420	525	198,580	💰
2025-04-15	1,945	1,424	521	197,156	💰 📈
2025-05-15	1,945	1,427	518	195,729	💰 📈
2025-06-15	1,945	1,431	514	194,298	💰 📈
2025-07-15	1,945	1,435	510	192,863	💰 📈
2025-08-15	1,945	1,439	506	191,424	💰 📈
2025-09-15	1,945	1,443	502	189,981	💰 📈
2025-10-15	1,945	1,446	499	188,535	💰 📈
2025-11-15	1,945	1,450	495	187,085	💰 📈
2025-12-15	1,945	1,454	491	185,631	💰 📈
2026-01-15	1,945	1,458	487	184,173	💰 📈
2026-02-15	1,945	1,462	483	182,712	💰 📈
2026-03-15	1,945	1,465	480	181,246	💰 📈
2026-04-15	1,945	1,469	476	179,777	💰 📈
2026-05-15	1,945	1,473	472	178,304	💰 📈
2026-06-15	1,945	1,477	468	176,827	💰 📈
2026-07-15	1,945	1,481	464	175,346	💰 📈
2026-08-15	1,945	1,485	460	173,862	💰 📈
2026-09-15	1,945	1,489	456	172,373	💰 📈
2026-10-15	1,945	1,493	452	170,880	💰 📈
2026-11-15	1,945	1,496	449	169,384	💰 📈
2026-12-15	1,945	1,500	445	167,884	💰 📈
2027-01-15	1,945	1,504	441	166,379	💰 📈
2027-02-15	1,945	1,508	437	164,871	💰 📈
2027-03-15	1,945	1,512	433	163,359	💰 📈
2027-04-15	1,945	1,516	429	161,843	💰 📈
2027-05-15	1,945	1,520	425	160,323	💰 📈
2027-06-15	1,945	1,524	421	158,798	💰 📈
2027-07-15	1,945	1,528	417	157,270	💰 📈
2027-08-15	1,945	1,532	413	155,738	💰 📈
2027-09-15	1,945	1,536	409	154,202	💰 📈
2027-10-15	1,945	1,540	405	152,662	💰 📈
2027-11-15	1,945	1,544	401	151,117	💰 📈
2027-12-15	1,945	1,548	397	149,569	💰 📈
2028-01-15	1,945	1,552	393	148,017	💰 📈
2028-02-15	1,945	1,556	389	146,460	💰 📈
2028-03-15	1,945	1,561	384	144,900	💰 📈
2028-04-15	1,945	1,565	380	143,335	💰 📈
2028-05-15	1,945	1,569	376	141,766	💰 📈
2028-06-15	1,945	1,573	372	140,193	💰 📈
2028-07-15	1,945	1,577	368	138,616	💰 📈
2028-08-15	1,945	1,581	364	137,035	💰 📈
2028-09-15	1,945	1,585	360	135,450	💰 📈
2028-10-15	1,945	1,589	356	133,861	💰 📈
2028-11-15	1,945	1,594	351	132,267	💰 📈
2028-12-15	1,945	1,598	347	130,669	💰 📈
2029-01-15	1,945	1,602	343	129,067	💰 📈
2029-02-15	1,945	1,606	339	127,461	💰 📈
2029-03-15	1,945	1,610	335	125,851	💰 📈
2029-04-15	1,945	1,615	330	124,236	💰 📈
2029-05-15	1,945	1,619	326	122,617	💰 📈
2029-06-15	1,945	1,623	322	120,994	💰 📈
2029-07-15	1,945	1,627	318	119,367	💰 📈
2029-08-15	1,945	1,632	313	117,735	💰 📈
2029-09-15	1,945	1,636	309	116,099	💰 📈
2029-10-15	1,945	1,640	305	114,459	💰 📈
2029-11-15	1,945	1,645	300	112,814	💰 📈
2029-12-15	1,945	1,649	296	111,165	💰 📈
2030-01-15	1,945	1,653	292	109,512	💰 📈
2030-02-15	1,945	1,658	287	107,855	💰 📈
2030-03-15	1,945	1,662	283	106,193	💰 📈
2030-04-15	1,945	1,666	279	104,526	💰 📈
2030-05-15	1,945	1,671	274	102,856	💰 📈
2030-06-15	1,945	1,675	270	101,181	💰 📈
2030-07-15	1,945	1,679	266	99,501	💰 📈
2030-08-15	1,945	1,684	261	97,818	💰 📈
2030-09-15	1,945	1,688	257	96,129	💰 📈
2030-10-15	1,945	1,693	252	94,437	💰 📈
2030-11-15	1,945	1,697	248	92,740	💰 📈
2030-12-15	1,945	1,702	243	91,038	💰 📈
2031-01-15	1,945	1,706	239	89,332	💰 📈
2031-02-15	1,945	1,711	234	87,622	💰 📈
2031-03-15	1,945	1,715	230	85,907	💰 📈
2031-04-15	1,945	1,719	226	84,187	💰 📈
2031-05-15	1,945	1,724	221	82,463	💰 📈
2031-06-15	1,945	1,729	216	80,735	💰 📈
2031-07-15	1,945	1,733	212	79,001	💰 📈
2031-08-15	1,945	1,738	207	77,264	💰 📈
2031-09-15	1,945	1,742	203	75,522	💰 📈
2031-10-15	1,945	1,747	198	73,775	💰 📈
2031-11-15	1,945	1,751	194	72,024	💰 📈
2031-12-15	1,945	1,756	189	70,268	💰 📈
2032-01-15	1,945	1,761	184	68,507	💰 📈
2032-02-15	1,945	1,765	180	66,742	💰 📈
2032-03-15	1,945	1,770	175	64,972	💰 📈
2032-04-15	1,945	1,774	171	63,198	💰 📈
2032-05-15	1,945	1,779	166	61,419	💰 📈
2032-06-15	1,945	1,784	161	59,635	💰 📈
2032-07-15	1,945	1,788	157	57,846	💰 📈
2032-08-15	1,945	1,793	152	56,053	💰 📈
2032-09-15	1,945	1,798	147	54,255	💰 📈
2032-10-15	1,945	1,803	142	52,453	💰 📈
2032-11-15	1,945	1,807	138	50,645	💰 📈
2032-12-15	1,945	1,812	133	48,833	💰 📈
2033-01-15	1,945	1,817	128	47,017	💰 📈
2033-02-15	1,945	1,822	123	45,195	💰 📈
2033-03-15	1,945	1,826	119	43,369	💰 📈
2033-04-15	1,945	1,831	114	41,537	💰 📈
2033-05-15	1,945	1,836	109	39,701	💰 📈
2033-06-15	1,945	1,841	104	37,861	💰 📈
2033-07-15	1,945	1,846	99	36,015	💰 📈
2033-08-15	1,945	1,850	95	34,165	💰 📈
2033-09-15	1,945	1,855	90	32,309	💰 📈
2033-10-15	1,945	1,860	85	30,449	💰 📈
2033-11-15	1,945	1,865	80	28,584	💰 📈
2033-12-15	1,945	1,870	75	26,714	💰 📈
2034-01-15	1,945	1,875	70	24,839	💰 📈
2034-02-15	1,945	1,880	65	22,959	💰 📈
2034-03-15	1,945	1,885	60	21,075	💰 📈
2034-04-15	1,945	1,890	55	19,185	💰 📈
2034-05-15	1,945	1,895	50	17,290	💰 📈
2034-06-15	1,945	1,900	45	15,391	💰 📈
2034-07-15	1,945	1,905	40	13,486	💰 📈
2034-08-15	1,945	1,910	35	11,577	💰 📈
2034-09-15	1,945	1,915	30	9,662	💰 📈
2034-10-15	1,945	1,920	25	7,742	💰 📈
2034-11-15	1,945	1,925	20	5,818	💰 📈
2034-12-15	1,945	1,930	15	3,888	💰 📈
2035-01-15	1,945	1,935	10	1,953	💰 📈
2035-02-15	1,945	1,940	5	13	💰 📈

V4.1 Last update: 2023.10.30.

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