Loan Amortization Calculator
What a loan really costs in total — not just the payment, but interest and fees together.
Result
How much you're borrowing.
The nominal rate, not APR.
How many years until the loan is paid off.
Payment
307,75 €
- Total interest
- 3.465 €
- Fees
- 150 €
- Total amount paid
- 18.615 €
- Cost of borrowing
- 24,10 %
Show all years
| Payment # | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | 307,75 € | 106,25 € | 201,50 € | 14.799 € |
| 2 | 307,75 € | 104,82 € | 202,93 € | 14.596 € |
| 3 | 307,75 € | 103,39 € | 204,36 € | 14.391 € |
| 4 | 307,75 € | 101,94 € | 205,81 € | 14.185 € |
| 5 | 307,75 € | 100,48 € | 207,27 € | 13.978 € |
| 6 | 307,75 € | 99,01 € | 208,74 € | 13.769 € |
| 7 | 307,75 € | 97,53 € | 210,22 € | 13.559 € |
| 8 | 307,75 € | 96,04 € | 211,71 € | 13.347 € |
| 9 | 307,75 € | 94,54 € | 213,21 € | 13.134 € |
| 10 | 307,75 € | 93,03 € | 214,72 € | 12.920 € |
| 11 | 307,75 € | 91,51 € | 216,24 € | 12.703 € |
| 12 | 307,75 € | 89,98 € | 217,77 € | 12.486 € |
| 13 | 307,75 € | 88,44 € | 219,31 € | 12.266 € |
| 14 | 307,75 € | 86,89 € | 220,86 € | 12.045 € |
| 15 | 307,75 € | 85,32 € | 222,43 € | 11.823 € |
| 16 | 307,75 € | 83,75 € | 224,00 € | 11.599 € |
| 17 | 307,75 € | 82,16 € | 225,59 € | 11.373 € |
| 18 | 307,75 € | 80,56 € | 227,19 € | 11.146 € |
| 19 | 307,75 € | 78,95 € | 228,80 € | 10.917 € |
| 20 | 307,75 € | 77,33 € | 230,42 € | 10.687 € |
| 21 | 307,75 € | 75,70 € | 232,05 € | 10.455 € |
| 22 | 307,75 € | 74,06 € | 233,69 € | 10.221 € |
| 23 | 307,75 € | 72,40 € | 235,35 € | 9.986 € |
| 24 | 307,75 € | 70,73 € | 237,02 € | 9.749 € |
| 25 | 307,75 € | 69,05 € | 238,70 € | 9.510 € |
| 26 | 307,75 € | 67,36 € | 240,39 € | 9.270 € |
| 27 | 307,75 € | 65,66 € | 242,09 € | 9.028 € |
| 28 | 307,75 € | 63,95 € | 243,80 € | 8.784 € |
| 29 | 307,75 € | 62,22 € | 245,53 € | 8.538 € |
| 30 | 307,75 € | 60,48 € | 247,27 € | 8.291 € |
| 31 | 307,75 € | 58,73 € | 249,02 € | 8.042 € |
| 32 | 307,75 € | 56,96 € | 250,79 € | 7.791 € |
| 33 | 307,75 € | 55,19 € | 252,56 € | 7.539 € |
| 34 | 307,75 € | 53,40 € | 254,35 € | 7.284 € |
| 35 | 307,75 € | 51,60 € | 256,15 € | 7.028 € |
| 36 | 307,75 € | 49,78 € | 257,97 € | 6.770 € |
| 37 | 307,75 € | 47,96 € | 259,79 € | 6.510 € |
| 38 | 307,75 € | 46,12 € | 261,63 € | 6.249 € |
| 39 | 307,75 € | 44,26 € | 263,49 € | 5.985 € |
| 40 | 307,75 € | 42,40 € | 265,35 € | 5.720 € |
| 41 | 307,75 € | 40,52 € | 267,23 € | 5.453 € |
| 42 | 307,75 € | 38,62 € | 269,13 € | 5.184 € |
| 43 | 307,75 € | 36,72 € | 271,03 € | 4.913 € |
| 44 | 307,75 € | 34,80 € | 272,95 € | 4.640 € |
| 45 | 307,75 € | 32,86 € | 274,89 € | 4.365 € |
| 46 | 307,75 € | 30,92 € | 276,83 € | 4.088 € |
| 47 | 307,75 € | 28,96 € | 278,79 € | 3.809 € |
| 48 | 307,75 € | 26,98 € | 280,77 € | 3.528 € |
| 49 | 307,75 € | 24,99 € | 282,76 € | 3.246 € |
| 50 | 307,75 € | 22,99 € | 284,76 € | 2.961 € |
| 51 | 307,75 € | 20,97 € | 286,78 € | 2.674 € |
| 52 | 307,75 € | 18,94 € | 288,81 € | 2.385 € |
| 53 | 307,75 € | 16,90 € | 290,85 € | 2.094 € |
| 54 | 307,75 € | 14,83 € | 292,92 € | 1.801 € |
| 55 | 307,75 € | 12,76 € | 294,99 € | 1.506 € |
| 56 | 307,75 € | 10,67 € | 297,08 € | 1.209 € |
| 57 | 307,75 € | 8,57 € | 299,18 € | 910 € |
| 58 | 307,75 € | 6,45 € | 301,30 € | 609 € |
| 59 | 307,75 € | 4,31 € | 303,44 € | 305 € |
| 60 | 307,60 € | 2,16 € | 305,44 € | 0 € |
Principal vs. interest. Payment # 1–60. At the end: Principal 305 €; Interest 2 €.
- Principal
- Interest
How it's calculated
The payment is the same every month, but its makeup isn't. Interest is charged on the remaining balance, so early on it takes up most of the payment and shrinks as time passes.
One-time fees aren't added to the balance here, so no interest is charged on them. Some banks roll them into the loan; if yours does, add them to the loan amount rather than the fees field.
Cost of borrowing adds interest and fees together and expresses the total as a percentage of the amount borrowed. That's the figure that makes two offers comparable when one has a lower rate but higher fees.
Example
For a €15,000 loan at 8.5% over five years with a €150 origination fee: the payment comes to about €308 per month, total interest around €3,470, and the full cost of borrowing about 24% of the amount borrowed.