Loan Calculator
Calculate monthly payments, interest costs and extra repayments — incl. down payment and penalty analysis.
Enter your purchase price, down payment, term and interest rate — then optionally simulate extra repayments to see how much you save on interest and how much earlier you become debt-free.
1Configure loan
→2Test extra repayments
→3Read your results
1Loan Parameters
Purchase Price
€
Total price incl. additional costs (approx. 10–12 % in Austria: land register, notary, agent).
Down Payment
€
Recommendation: at least 20 % of purchase price — banks charge surcharges below that threshold.
Loan Amount (Purchase Price − Down Payment)
350.000 €
Term
Jahre
Longer term = lower monthly payment, but significantly more total interest.
Interest Rate p.a.
%
Surcharges vary by bank and creditworthiness.
Monthly Payment
—
p.m.
Loan Amount
—
—
Total Interest
—
—
Total Repayment
—
Loan + Interest
Amortization Schedule
Balance without EP
Balance with EP
Cum. Interest without EP
Cum. Interest with EP
2Extra Repayments
Penalty 2.00 %
Extra repayments reduce your outstanding balance directly — saving interest and shortening your term. Many contracts allow up to 10 % p.a. penalty-free. Set the amount to 0 to skip this step.
Prepayment Penalty
%
Bank fee for early repayment. Common in Austria: 1–3 %. Many contracts allow 10 % p.a. penalty-free.
Type of Extra Repayment
Amount
€
After Year
Jahr
The earlier the extra repayment, the higher the interest savings — because the remaining balance is still large.
Without Extra Repayments
Term—
Total Interest—
Repayment—
With Extra Repayments
Term—
Total Interest—
Repayment—
Total Extra Repayments—
Total Penalty (2.00 %)—
Interest Savings—
Term Reduction—
Net Savings (after Penalty)—
3
Your Plan at a Glance
Total Interest — without EP
—
Total Interest — with EP
—
Per €1 borrowed — ohne ST
—
Per €1 borrowed — mit ST
—
Net Interest Savings
—
Debt-free from
—
—
Alle Angaben ohne Gewähr. Die Ergebnisse dieses Rechners dienen ausschließlich der unverbindlichen Orientierung und ersetzen keine individuelle Beratung durch eine Bank, einen Notar oder Rechtsanwalt.