Loan Calculator

Calculate loan payments, total interest, and amortization schedules. Perfect for mortgages, auto loans, and personal loans.

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Loan Calculator

Calculate loan payments, total interest, and amortization schedules. Perfect for mortgages, auto loans, and personal loans.

🏦 Loan Details
€
€
20.0% of home price
%
Monthly Payment

969 €

Total Interest

124 741 €

Total Cost

404 741 €

Loan-to-Value

80.0%

📋 Loan Breakdown
Home Price / Loan Amount:
280 000 €
Down Payment:
56 000 € (20.0%)
Loan Amount:
224 000 €
Total of Payments:
348 741 €
Total Interest Paid:
124 741 €
Payoff Date:
7/22/2055
📊 Payment Breakdown
Principal Portion

64.2%

224 000 €
Interest Portion

35.8%

124 741 €
📅 Amortization Schedule
Payment #PrincipalInterestBalance
1371,39 €597,33 €223 629 €
2372,38 €596,34 €223 256 €
3373,38 €595,35 €222 883 €
4374,37 €594,35 €222 508 €
5375,37 €593,36 €222 133 €
6376,37 €592,35 €221 757 €
7377,37 €591,35 €221 379 €
8378,38 €590,34 €221 001 €
9379,39 €589,34 €220 622 €
10380,40 €588,32 €220 241 €
11381,42 €587,31 €219 860 €
12382,43 €586,29 €219 477 €
13383,45 €585,27 €219 094 €
14384,48 €584,25 €218 709 €
15385,50 €583,23 €218 324 €
16386,53 €582,20 €217 937 €
17387,56 €581,17 €217 550 €
18388,59 €580,13 €217 161 €
19389,63 €579,10 €216 772 €
20390,67 €578,06 €216 381 €
21391,71 €577,02 €215 989 €
22392,75 €575,97 €215 596 €
23393,80 €574,92 €215 203 €
24394,85 €573,87 €214 808 €
25395,90 €572,82 €214 412 €
26396,96 €571,77 €214 015 €
27398,02 €570,71 €213 617 €
28399,08 €569,65 €213 218 €
29400,14 €568,58 €212 818 €
30401,21 €567,51 €212 416 €
31402,28 €566,44 €212 014 €
32403,35 €565,37 €211 611 €
33404,43 €564,30 €211 206 €
34405,51 €563,22 €210 801 €
35406,59 €562,14 €210 394 €
36407,67 €561,05 €209 987 €
37408,76 €559,96 €209 578 €
38409,85 €558,87 €209 168 €
39410,94 €557,78 €208 757 €
40412,04 €556,69 €208 345 €
41413,14 €555,59 €207 932 €
42414,24 €554,49 €207 518 €
43415,35 €553,38 €207 102 €
44416,45 €552,27 €206 686 €
45417,56 €551,16 €206 268 €
46418,68 €550,05 €205 850 €
47419,79 €548,93 €205 430 €
48420,91 €547,81 €205 009 €
49422,04 €546,69 €204 587 €
50423,16 €545,57 €204 164 €
51424,29 €544,44 €203 739 €
52425,42 €543,31 €203 314 €
53426,56 €542,17 €202 887 €
54427,69 €541,03 €202 460 €
55428,83 €539,89 €202 031 €
56429,98 €538,75 €201 601 €
57431,12 €537,60 €201 170 €
58432,27 €536,45 €200 738 €
59433,43 €535,30 €200 304 €
60434,58 €534,14 €199 870 €
61435,74 €532,99 €199 434 €
62436,90 €531,82 €198 997 €
63438,07 €530,66 €198 559 €
64439,24 €529,49 €198 120 €
65440,41 €528,32 €197 679 €
66441,58 €527,14 €197 238 €
67442,76 €525,97 €196 795 €
68443,94 €524,79 €196 351 €
69445,12 €523,60 €195 906 €
70446,31 €522,42 €195 460 €
71447,50 €521,23 €195 012 €
72448,69 €520,03 €194 563 €
73449,89 €518,84 €194 113 €
74451,09 €517,64 €193 662 €
75452,29 €516,43 €193 210 €
76453,50 €515,23 €192 757 €
77454,71 €514,02 €192 302 €
78455,92 €512,80 €191 846 €
79457,14 €511,59 €191 389 €
80458,36 €510,37 €190 930 €
81459,58 €509,15 €190 471 €
82460,80 €507,92 €190 010 €
83462,03 €506,69 €189 548 €
84463,26 €505,46 €189 085 €
85464,50 €504,23 €188 620 €
86465,74 €502,99 €188 154 €
87466,98 €501,75 €187 688 €
88468,23 €500,50 €187 219 €
89469,47 €499,25 €186 750 €
90470,73 €498,00 €186 279 €
91471,98 €496,74 €185 807 €
92473,24 €495,49 €185 334 €
93474,50 €494,22 €184 859 €
94475,77 €492,96 €184 384 €
95477,04 €491,69 €183 907 €
96478,31 €490,42 €183 428 €
97479,58 €489,14 €182 949 €
98480,86 €487,86 €182 468 €
99482,14 €486,58 €181 986 €
100483,43 €485,30 €181 502 €
101484,72 €484,01 €181 018 €
102486,01 €482,71 €180 531 €
103487,31 €481,42 €180 044 €
104488,61 €480,12 €179 556 €
105489,91 €478,81 €179 066 €
106491,22 €477,51 €178 574 €
107492,53 €476,20 €178 082 €
108493,84 €474,89 €177 588 €
109495,16 €473,57 €177 093 €
110496,48 €472,25 €176 596 €
111497,80 €470,92 €176 099 €
112499,13 €469,60 €175 600 €
113500,46 €468,27 €175 099 €
114501,79 €466,93 €174 597 €
115503,13 €465,59 €174 094 €
116504,47 €464,25 €173 590 €
117505,82 €462,91 €173 084 €
118507,17 €461,56 €172 577 €
119508,52 €460,20 €172 068 €
120509,88 €458,85 €171 558 €
Showing first 120 payments
💡 How to Use
  • Enter the total price or loan amount
  • Set your down payment amount
  • Input the annual interest rate
  • Choose the loan term (15, 20, 25, or 30 years)
🧮 Formula
Monthly Payment:
M = P × [r(1+r)^n] / [(1+r)^n - 1]

Variables:
M = Monthly payment
P = Loan principal (amount borrowed)
r = Monthly interest rate (annual rate ÷ 12)
n = Total number of payments (years × 12)