Loan calculator & amortisation schedule
Calculate the monthly payment of a fixed-rate loan, the total cost of the credit and the interest paid, with the month-by-month amortisation schedule (capital, interest, remaining balance). Shortening a 25-year mortgage to 20 years lifts the monthly payment by roughly 15 % while cutting total interest by about a quarter. A loan figure is a private one, and the schedule is built on your device.
- 100% local
- Free · no account
- Instant result
This tool runs entirely in your browser — nothing is sent to a server.
For a fixed-rate loan with constant monthly payments, the payment is computed with the annuity formula: M = C × t ÷ (1 − (1 + t)⁻ⁿ), where C is the principal, t the monthly rate and n the number of months. At the start of the loan, the payment mostly covers interest; the principal share grows over time.
This calculator gives the monthly payment, the total cost of credit and the month-by-month breakdown (interest, principal repaid, outstanding balance) — useful to compare offers or measure the effect of a shorter term.
How it works
Type the figures or drop the file you want to process — the tool checks them as you go.
Everything is computed directly in your browser. Nothing is sent to a server.
The result appears instantly, with the detailed breakdown ready to copy, download or keep.
Why use this tool
No account, no download, no limit: the result appears as soon as you enter your data.
Every rule, algorithm and check reflects what we use ourselves every day at Flexina.
The calculations follow the official standards, and the step-by-step detail lets you double-check the outcome.
What does running it locally bring you?
Files, figures and documents never leave your device: nothing is stored, nothing is sent.
Once the page is loaded, you can cut the network: the tool keeps working.
No upload, no account, no third-party server in between: results stay fast and fully private.
Frequently asked questions
Why is my actual payment different?
This calculation includes neither outstanding-balance/borrower insurance nor file fees, and your bank may use a slightly different computation convention. It is a reliable order of magnitude, not an offer.
What does the amortisation schedule show?
For each month: the interest (balance × monthly rate), the principal repaid (payment − interest) and the outstanding balance. You can watch the interest share shrink over the life of the loan.
Does shortening the term change the cost much?
Yes, it is the main lever: on €200,000 at 3 %, going from 25 to 20 years raises the payment by about 15 % but cuts total interest by about a quarter.