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Mahdi Barzkar
Owner and insurance broker authorised under section 34d(1) of the German Trade Regulation Act · Register number D-H3YB-K7WLO-18.
Loans & property
Loan calculator and repayment schedule
For mortgages and instalment loans: calculate the monthly instalment, the outstanding balance at the end of the fixed-rate period, the interest costs and the total term of your loan.
Result
- Monthly instalment
- Outstanding balance after the fixed-rate period
- Interest during the fixed-rate period
- Time until fully repaid
- Interest until fully repaid
- Total cost (loan plus interest)
Year by year
| Year | Interest | Repayment | Outstanding balance |
|---|
The results are non-binding estimates for guidance only and do not replace tax, legal or investment advice. What counts are your payslip, your tax assessment (Steuerbescheid) and the terms of your contracts.
How it is calculated
With an annuity loan (Annuitätendarlehen), the monthly instalment stays the same. Initially it equals loan × (borrowing rate + initial repayment) ÷ 12. Each instalment reduces the outstanding balance, so the interest portion shrinks and the repayment portion grows.
For the time after the fixed-rate period, the calculator continues with the same interest rate. The actual follow-up offer may be higher or lower.
- The effective annual rate (Effektivzins) also includes costs and is stated in the bank's offer.
- Payment protection insurance or term life insurance secures the loan for your family and partner.
Frequently asked questions
How high should the repayment rate be?
The higher the repayment, the sooner you are debt-free and the less interest you pay. What matters is that the instalment remains affordable even if your income falls.
What is a forward loan?
It lets you secure an interest rate for follow-up financing before the fixed-rate period ends, usually in return for a surcharge.
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