Loan Calculator

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

← Back to Tools

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

1.193 €

Total Interest

173.426 €

Total Cost

493.426 €

Loan-to-Value

80.0%

📋 Loan Breakdown
Home Price / Loan Amount:
320.000 €
Down Payment:
64.000 € (20.0%)
Loan Amount:
256.000 €
Total of Payments:
429.426 €
Total Interest Paid:
173.426 €
Payoff Date:
7/22/2055
📊 Payment Breakdown
Principal Portion

59.6%

256.000 €
Interest Portion

40.4%

173.426 €
📅 Amortization Schedule
Payment #PrincipalInterestBalance
1382,18 €810,67 €255.618 €
2383,39 €809,46 €255.234 €
3384,61 €808,24 €254.850 €
4385,83 €807,02 €254.464 €
5387,05 €805,80 €254.077 €
6388,27 €804,58 €253.689 €
7389,50 €803,35 €253.299 €
8390,74 €802,11 €252.908 €
9391,97 €800,88 €252.516 €
10393,22 €799,64 €252.123 €
11394,46 €798,39 €251.729 €
12395,71 €797,14 €251.333 €
13396,96 €795,89 €250.936 €
14398,22 €794,63 €250.538 €
15399,48 €793,37 €250.138 €
16400,75 €792,10 €249.738 €
17402,01 €790,84 €249.336 €
18403,29 €789,56 €248.932 €
19404,57 €788,29 €248.528 €
20405,85 €787,00 €248.122 €
21407,13 €785,72 €247.715 €
22408,42 €784,43 €247.306 €
23409,71 €783,14 €246.897 €
24411,01 €781,84 €246.486 €
25412,31 €780,54 €246.073 €
26413,62 €779,23 €245.660 €
27414,93 €777,92 €245.245 €
28416,24 €776,61 €244.829 €
29417,56 €775,29 €244.411 €
30418,88 €773,97 €243.992 €
31420,21 €772,64 €243.572 €
32421,54 €771,31 €243.150 €
33422,87 €769,98 €242.727 €
34424,21 €768,64 €242.303 €
35425,56 €767,29 €241.878 €
36426,90 €765,95 €241.451 €
37428,26 €764,59 €241.023 €
38429,61 €763,24 €240.593 €
39430,97 €761,88 €240.162 €
40432,34 €760,51 €239.730 €
41433,71 €759,14 €239.296 €
42435,08 €757,77 €238.861 €
43436,46 €756,39 €238.424 €
44437,84 €755,01 €237.987 €
45439,23 €753,62 €237.547 €
46440,62 €752,23 €237.107 €
47442,01 €750,84 €236.665 €
48443,41 €749,44 €236.221 €
49444,82 €748,03 €235.776 €
50446,23 €746,63 €235.330 €
51447,64 €745,21 €234.883 €
52449,06 €743,79 €234.434 €
53450,48 €742,37 €233.983 €
54451,90 €740,95 €233.531 €
55453,34 €739,52 €233.078 €
56454,77 €738,08 €232.623 €
57456,21 €736,64 €232.167 €
58457,66 €735,20 €231.709 €
59459,11 €733,75 €231.250 €
60460,56 €732,29 €230.790 €
61462,02 €730,83 €230.328 €
62463,48 €729,37 €229.864 €
63464,95 €727,90 €229.399 €
64466,42 €726,43 €228.933 €
65467,90 €724,95 €228.465 €
66469,38 €723,47 €227.995 €
67470,87 €721,99 €227.525 €
68472,36 €720,49 €227.052 €
69473,85 €719,00 €226.578 €
70475,35 €717,50 €226.103 €
71476,86 €715,99 €225.626 €
72478,37 €714,48 €225.148 €
73479,88 €712,97 €224.668 €
74481,40 €711,45 €224.186 €
75482,93 €709,92 €223.704 €
76484,46 €708,39 €223.219 €
77485,99 €706,86 €222.733 €
78487,53 €705,32 €222.246 €
79489,07 €703,78 €221.756 €
80490,62 €702,23 €221.266 €
81492,18 €700,68 €220.774 €
82493,73 €699,12 €220.280 €
83495,30 €697,55 €219.785 €
84496,87 €695,98 €219.288 €
85498,44 €694,41 €218.789 €
86500,02 €692,83 €218.289 €
87501,60 €691,25 €217.788 €
88503,19 €689,66 €217.285 €
89504,78 €688,07 €216.780 €
90506,38 €686,47 €216.273 €
91507,99 €684,87 €215.765 €
92509,59 €683,26 €215.256 €
93511,21 €681,64 €214.745 €
94512,83 €680,02 €214.232 €
95514,45 €678,40 €213.717 €
96516,08 €676,77 €213.201 €
97517,71 €675,14 €212.684 €
98519,35 €673,50 €212.164 €
99521,00 €671,85 €211.643 €
100522,65 €670,20 €211.121 €
101524,30 €668,55 €210.596 €
102525,96 €666,89 €210.070 €
103527,63 €665,22 €209.543 €
104529,30 €663,55 €209.013 €
105530,98 €661,88 €208.482 €
106532,66 €660,19 €207.950 €
107534,34 €658,51 €207.415 €
108536,04 €656,82 €206.879 €
109537,73 €655,12 €206.342 €
110539,44 €653,41 €205.802 €
111541,14 €651,71 €205.261 €
112542,86 €649,99 €204.718 €
113544,58 €648,27 €204.174 €
114546,30 €646,55 €203.627 €
115548,03 €644,82 €203.079 €
116549,77 €643,08 €202.529 €
117551,51 €641,34 €201.978 €
118553,25 €639,60 €201.425 €
119555,01 €637,84 €200.870 €
120556,76 €636,09 €200.313 €
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)