Calculate the monthly payment, total interest and effective APR for an annuity loan or credit. Includes an optional fee and a year-by-year repayment chart.
How to use the Loan Calculator
Enter the loan amount, the nominal interest rate and the term in years.
Add an upfront fee under fees to see its effect on the APR.
See your monthly payment, total interest, effective APR and the repayment chart.
Frequently asked questions
The nominal rate (Sollzins) is the pure interest on the loan. The effective annual rate (APR, effektiver Jahreszins) also reflects monthly compounding and any fees, so it is the better figure for comparing offers.
It uses the annuity formula for a loan repaid in equal monthly instalments. Each payment covers the interest on the remaining balance plus a share of the principal.
At the start the balance is high, so most of the payment is interest. As the balance falls, the interest share shrinks and more goes to principal. The chart shows this shift.
It includes the interest and the optional upfront fee you enter. Real offers can include other charges, so always check the lender's stated effective rate.
This loan and credit calculator works out the monthly payment for an annuity loan, the total interest you pay, the total repaid, and the effective annual rate (APR) including an optional upfront fee.
A year-by-year chart splits each year's payments into principal and interest, so you can see how the loan is paid down over time. It is a planning aid; lenders' binding figures may differ.
Related tools
Calculate your German net salary with the official 2025 & 2026 payroll-tax algorithm: tax class, Bundesland, church tax, children and public or private insurance.
Calculate VAT for Germany (19/7 %), Austria (20/13/10 %) and Switzerland (8.1/2.6/3.8 %), both ways: add VAT to a net amount or remove it from a gross amount.
Estimate German Elterngeld: Basiselterngeld and ElterngeldPlus, with the sibling bonus and multiple-birth bonus, based on your net income before birth.
Estimate your German statutory pension from your salary and contribution years using the official pension formula, including early or later retirement and health and care insurance.
We use essential cookies to run the site. With your consent we also load Google AdSense, which sets advertising cookies. See our privacy policy.