Calculators
Repayment calculator
Calculate interest cost, residual debt and time until you are debt-free.
4.98 / 5 from 1,550 reviews · KennstDuEinen.de
We compare rates from over 600 banks & insurers
Your financing
Your repayment path
Debt-free after
29 y. 0 mo.
Total interest cost
€177,593
Total paid
€477,593
Interest share
37.19%
Residual debt & interest
Starting debt: €300,000
| After | Residual debt | Interest cumulative |
|---|---|---|
| 5 y. | €267,267 | €49,767 |
| 10 y. | €228,284 | €93,284 |
| 15 y. | €181,857 | €129,357 |
| 20 y. | €126,565 | €156,565 |
Annuity loan with constant rate, special repayment at year-end. Example, not an offer. Non-binding example calculation, not a financing offer under the §34i GewO licence.
Your monthly rate splits into interest and repayment. Early on interest dominates, with each instalment the residual debt falls and the repayment share grows. A higher repayment rate or special repayments shorten the term significantly.
Good to know
What this calculator does for you
Interest laid bare
See how much interest you actually pay over the whole term.
Time to debt-free
When is the loan fully repaid? To the month.
Special repayment pays
Simulate yearly special repayments and their effect on term and interest.
Quick request · 2 minutes
Non-binding financing request
Just a few short questions for an instant first assessment. We'll get in touch personally, for the full financing confirmation you complete your self-disclosure afterwards.
- Instant assessment, no waiting
- 100% non-binding & free
- Personal reply from Karlsruhe
Investment or own home?
Your starting point
Which type of client are you?
Repayment calculator FAQ
The percentage of the loan you repay in the first year. As the residual debt falls, less interest accrues, so the repayment share rises over time, the monthly rate stays constant.
Significantly: each special repayment reduces the debt immediately, so less interest accrues and more of the rate goes to principal. The effect compounds over the years.
No, it is an example based on your inputs. We prepare your individual concept with real bank conditions free of charge.
Prefer a personal calculation?
We build your individual financing concept, bank-independent, transparent and free.