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Loan calculator: monthly payment, APR and amortization
Simulate a mortgage or consumer loan, estimate your monthly payment, total cost, indicative APR and read a simplified amortization schedule.
Loan calculator
Estimate monthly payments, total cost and an indicative APR in seconds.
Results
Month 1€1,437.09
- Interest
- €708.33
- Principal repaid
- €728.75
- Remaining principal
- €249,271.25
Month 2€1,437.09
- Interest
- €706.27
- Principal repaid
- €730.82
- Remaining principal
- €248,540.43
Month 3€1,437.09
- Interest
- €704.20
- Principal repaid
- €732.89
- Remaining principal
- €247,807.54
Month 4€1,437.09
- Interest
- €702.12
- Principal repaid
- €734.96
- Remaining principal
- €247,072.58
Month 5€1,437.09
- Interest
- €700.04
- Principal repaid
- €737.05
- Remaining principal
- €246,335.53
Month 6€1,437.09
- Interest
- €697.95
- Principal repaid
- €739.14
- Remaining principal
- €245,596.40
...
Final month 240€1,437.09
- Interest
- €4.06
- Principal repaid
- €1,433.03
- Remaining principal
- €0.00
| Month | Payment | Interest | Principal repaid | Remaining principal |
|---|---|---|---|---|
| 1 | €1,437.09 | €708.33 | €728.75 | €249,271.25 |
| 2 | €1,437.09 | €706.27 | €730.82 | €248,540.43 |
| 3 | €1,437.09 | €704.20 | €732.89 | €247,807.54 |
| 4 | €1,437.09 | €702.12 | €734.96 | €247,072.58 |
| 5 | €1,437.09 | €700.04 | €737.05 | €246,335.53 |
| 6 | €1,437.09 | €697.95 | €739.14 | €245,596.40 |
| 7 | €1,437.09 | €695.86 | €741.23 | €244,855.17 |
| 8 | €1,437.09 | €693.76 | €743.33 | €244,111.84 |
| 9 | €1,437.09 | €691.65 | €745.44 | €243,366.40 |
| 10 | €1,437.09 | €689.54 | €747.55 | €242,618.85 |
| 11 | €1,437.09 | €687.42 | €749.67 | €241,869.19 |
| 12 | €1,437.09 | €685.30 | €751.79 | €241,117.40 |
| ... | ||||
| 240 | €1,437.09 | €4.06 | €1,433.03 | €0.00 |
How to use this loan calculator
Enter the amount borrowed, the term, the yearly nominal rate, then adjust insurance and fees. The simulator instantly returns the payment without insurance, the total payment and the global cost.
The amortization schedule shows the first installments and the last installment so you can visualize the interest/principal split over time.
Quick reading of the results
- • Monthly payment: recurring monthly charge to include in your budget.
- • Total interest: amount paid to the bank excluding borrowed principal.
- • Total cost: monthly payments + insurance + application fees.
- • Indicative APR: standardized view of the total yearly loan cost.
Loan calculator FAQ
Frequently asked questions
Does the calculator work for a mortgage?
Yes, the fixed-annuity model fits basic mortgage and consumer-loan simulations. For a real offer, always compare with the bank's official proposal.
What is APR?
APR (Annual Percentage Rate) is the total yearly cost of the loan. It includes the nominal rate and the main mandatory costs, such as insurance and fees.
Why is APR marked as “indicative”?
Banks include extra parameters depending on the file (guarantee, ancillary fees, exact payment schedule). The APR shown here remains a useful technical estimate for comparison.
Can I go back to the Finerz homepage?
Yes, go back to the Finerz homepage to join the launch waitlist and get the -10% offer. Finerz homepage.