Loan Calculator
Monthly payment, total interest — and what a +1 or +2 percentage point rate rise would do to it.
Rate sensitivity
| Payment if rate +1 pp | €1,111.66 / mo |
| Payment if rate +2 pp | €1,228.17 / mo |
Annuity loan: fixed monthly payment for the whole term at the current rate. Does not include margin changes, payment holidays or fees.
Pure mathematics — no annually updated constants.
Look at the interest, not just the payment
Over a long loan, total interest surprises: a 25-year mortgage at 3.5% costs roughly half the loan amount in interest. The bar shows principal versus interest — the true price of the loan that the monthly payment hides.
The sensitivity rows are the most important part. If a +2 point rise would push your payment to an uncomfortable level, the loan is too large or the term wrong — stress test your finances before the bank does it for you.
Annuity vs. straight-line amortization?
An annuity keeps the payment constant (interest share falls, principal share grows). Straight-line starts higher and decreases — total interest ends up slightly lower.
Why show payments at higher rates?
With a variable-rate loan the reference rate can rise. The +1/+2 pp rows show whether your budget survives it.
Does the payment include the bank margin?
Enter reference rate + margin as the annual rate. The calculator adds nothing on top.