Loan calculator

Compare repayment systems, grace periods and extra payments.

Your starting point

Rates, system and frequency

Enter your own rates and indices. Missing years keep the last index; blank uses the assumed Euribor.

Fees, insurance and grace
Early repayment and extra payments

Extra principal is repaid after the regular payment. During grace it reduces balance; on bullet loans it reduces final principal.

Your result

Editable example; you have not calculated your own inputs yet.

First payment, including costs€289.99
Last payment, including costs€290.17
Financing cost€2,399.58
Total paid€17,399.58
Total interest€2,399.58
Fees and insurance€0.00
Effective term5 years
Outstanding principal / Cumulative interest07.5K15K05 yearsOutstanding principalCumulative interest
Rate scenarios

Scenarios only change the applied interest rate or return.

View full table · 60 rows
PaymentYearAnnual nominal rate (%)Opening balanceInterestCapitalizedPrincipalExtraFees & insuranceTotal paymentClosing balance
10.08615,000750214.9900289.9914,785.01
20.17614,785.0173.930216.0600289.9914,568.95
30.25614,568.9572.840217.1500289.9914,351.8
40.33614,351.871.760218.2300289.9914,133.57
50.42614,133.5770.670219.3200289.9913,914.25
60.5613,914.2569.570220.4200289.9913,693.83
70.58613,693.8368.470221.5200289.9913,472.31
80.67613,472.3167.360222.6300289.9913,249.68
90.75613,249.6866.250223.7400289.9913,025.94
100.83613,025.9465.130224.8600289.9912,801.08
110.92612,801.0864.010225.9800289.9912,575.1
121612,575.162.880227.1100289.9912,347.99
131.08612,347.9961.740228.2500289.9912,119.74
141.17612,119.7460.60229.3900289.9911,890.35
151.25611,890.3559.450230.5400289.9911,659.81
161.33611,659.8158.30231.6900289.9911,428.12
171.42611,428.1257.140232.8500289.9911,195.27
181.5611,195.2755.980234.0100289.9910,961.26
191.58610,961.2654.810235.1800289.9910,726.08
201.67610,726.0853.630236.3600289.9910,489.72
211.75610,489.7252.450237.5400289.9910,252.18
221.83610,252.1851.260238.7300289.9910,013.45
231.92610,013.4550.070239.9200289.999,773.53
24269,773.5348.870241.1200289.999,532.41
252.0869,532.4147.660242.3300289.999,290.08
262.1769,290.0846.450243.5400289.999,046.54
272.2569,046.5445.230244.7600289.998,801.78
282.3368,801.7844.010245.9800289.998,555.8
292.4268,555.842.780247.2100289.998,308.59
302.568,308.5941.540248.4500289.998,060.14
312.5868,060.1440.30249.6900289.997,810.45
322.6767,810.4539.050250.9400289.997,559.51
332.7567,559.5137.80252.1900289.997,307.32
342.8367,307.3236.540253.4500289.997,053.87
352.9267,053.8735.270254.7200289.996,799.15
36366,799.15340255.9900289.996,543.16
373.0866,543.1632.720257.2700289.996,285.89
383.1766,285.8931.430258.5600289.996,027.33
393.2566,027.3330.140259.8500289.995,767.48
403.3365,767.4828.840261.1500289.995,506.33
413.4265,506.3327.530262.4600289.995,243.87
423.565,243.8726.220263.7700289.994,980.1
433.5864,980.124.90265.0900289.994,715.01
443.6764,715.0123.580266.4100289.994,448.6
453.7564,448.622.240267.7500289.994,180.85
463.8364,180.8520.90269.0900289.993,911.76
473.9263,911.7619.560270.4300289.993,641.33
48463,641.3318.210271.7800289.993,369.55
494.0863,369.5516.850273.1400289.993,096.41
504.1763,096.4115.480274.5100289.992,821.9
514.2562,821.914.110275.8800289.992,546.02
524.3362,546.0212.730277.2600289.992,268.76
534.4262,268.7611.340278.6500289.991,990.11
544.561,990.119.950280.0400289.991,710.07
554.5861,710.078.550281.4400289.991,428.63
564.6761,428.637.140282.8500289.991,145.78
574.7561,145.785.730284.2600289.99861.52
584.836861.524.310285.6800289.99575.84
594.926575.842.880287.1100289.99288.73
6056288.731.440288.7300290.170
Method and assumptions

Annual nominal rate divided by payments per year; payments at period end, rounded to cents.

Indices are editable assumptions, not live quotes or forecasts. Applied rate has a 0% floor.

Upfront fees paid separately; annual insurance and costs prorated until repayment.

Grace included in term; total grace capitalizes interest. Extra principal paid after scheduled payment.

Cash-flow simulation, not a statutory APR calculation. Bullet loans repay principal at maturity.

Reference: Banco de España

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