Early loan repayment calculator
Find out how much you save by paying more than required. Add a one-off or a regular extra payment and instantly see how many months disappear from the schedule and how much interest you keep.
- 1Set the loan amount, annual rate and term — or keep the example values.
- 2Choose annuity (equal payments) or differentiated (decreasing payments).
- 3Open the full calculator to see the month-by-month schedule, add early payments and download a PDF.
Example values — change them to your own.
Tips
The earlier you make an extra payment, the more interest it saves.
A regular small extra payment often beats a single large one made years later.
Check your contract for early repayment fees and whether the bank shortens the term or lowers the payment.
FAQ
What is better: a shorter term or a lower payment?
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Shortening the term saves more interest; lowering the payment eases your monthly budget. The calculator shortens the term, so you see the maximum saving.
When is early repayment not worth it?
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If the contract has a high early repayment fee, or if you would pay for it with a more expensive loan. Also keep an emergency fund before prepaying.
How do I add an extra payment?
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Open the Early tab in the calculator (or the Schedule page), choose the month and the amount and press Add — the schedule updates immediately.