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Loan Calculator

Early Repayment

Estimated monthly rate

1,688 EUR

RO

Financial Summary

Total to Pay

551,730 EUR

Total amount repaid

Total Interest

301,730 EUR

120.69% of loan

Total Early Repayments

0 EUR

No early repayments

Total Insurance

0 EUR

Life insurance

Interest Saved

0 EUR

0.00% savings

Effective Duration

25 yrs 0 mo

No duration reduction

Detailed Payment Schedule
MonthDateOpening BalanceMonthly PaymentPrincipalInterestEarly RepaymentInsuranceTotal PaymentClosing BalanceInterest
101.08.2026250,000.001,688.02333.851,354.17--1,688.02249,666.156.50%
201.09.2026249,666.151,688.02335.661,352.36--1,688.02249,330.496.50%
301.10.2026249,330.491,688.02337.481,350.54--1,688.02248,993.016.50%
401.11.2026248,993.011,688.02339.311,348.71--1,688.02248,653.716.50%
501.12.2026248,653.711,688.02341.141,346.87--1,688.02248,312.566.50%
601.01.2027248,312.561,688.02342.991,345.03--1,688.02247,969.576.50%
701.02.2027247,969.571,688.02344.851,343.17--1,688.02247,624.726.50%
801.03.2027247,624.721,688.02346.721,341.30--1,688.02247,278.006.50%
901.04.2027247,278.001,688.02348.601,339.42--1,688.02246,929.416.50%
1001.05.2027246,929.411,688.02350.481,337.53--1,688.02246,578.926.50%
1101.06.2027246,578.921,688.02352.381,335.64--1,688.02246,226.546.50%
1201.07.2027246,226.541,688.02354.291,333.73--1,688.02245,872.256.50%

Showing 1 - 12 of 300 payments

1 / 25
Principal (balance reduction)
Interest (loan cost)
Early repayment
FixedFixed rate period
Var.Variable rate period

Important Information

  • •Fixed rate remains constant during the selected period (usually the first 5 years).
  • •Variable rate is calculated as reference rate + bank margin and may vary over time.
  • •Early repayments reduce the principal and can significantly decrease the total loan cost.
  • •Life insurance is optional but usually required by banks, calculated as a percentage of the remaining balance.
  • •This calculator is for informational purposes. Consult your bank for the exact offer.

How the early repayment calculator works

Financial planning for a mortgage loan requires accurate tools that provide a clear picture of total costs and savings opportunities. Our early repayment calculator allows you to simulate different payment scenarios, taking into account both the fixed-rate period and the variable-rate period based on reference rates. Understanding how your loan balance evolves and the impact of additional payments can help you make more informed financial decisions and significantly reduce the total cost of your loan.

Early repayments are one of the most effective ways to save on a mortgage loan. By reducing the principal more quickly, you not only shorten the loan duration but also decrease the total amount paid in interest. With this simulator, you can calculate exactly how much you would save by choosing a specific early repayment amount, whether monthly, quarterly, semi-annual, or annual. You can choose between "extra amount" mode (which is added to the monthly payment) and "fixed total amount" mode (which includes both the payment and the early repayment amount), giving you maximum flexibility in planning.

In addition to early repayment simulation, the calculator includes the option to add life insurance, an important element in the cost structure of a mortgage loan. You will be able to view a detailed monthly payment schedule, relevant charts on balance evolution and payment composition, as well as a complete financial summary. Whether you are in the process of choosing a loan or already have an active mortgage, this tool provides you with the data needed to optimize your repayment strategy.