Monthly payment · Amortization · Extra payments
Calculate the monthly repayment on any loan in seconds. Enter the loan amount, interest rate and term to see your monthly payment, total interest paid and a complete month-by-month amortization table.
Personal loans typically run 12–84 months at 5–25% APR. A €10,000 personal loan at 8% over 48 months costs €244/month with €1,706 in total interest. Use the extra payment field to see how much faster you can pay it off.
Mortgages typically span 15–30 years at 3–7% interest. A €250,000 mortgage at 4.5% over 25 years costs €1,389/month — but paying just €100 extra per month saves over €18,000 in interest and shaves 2 years off the term.
Car loans usually run 24–72 months at 4–12% APR. A €20,000 car loan at 6% over 60 months costs €386/month. The amortization table shows exactly how much of each payment goes toward the principal vs. interest.
This calculator uses the standard amortization formula: M = P × [r(1+r)ⁿ] / [(1+r)ⁿ−1], where P is the principal, r is the monthly interest rate and n is the number of payments. Each month a larger share goes to principal and a smaller share to interest.