Read the result correctly
This calculator uses equal monthly annuity payments. Compare the total cost and fees as well as the monthly payment.
How does the loan calculator work?
The principal, monthly interest rate and number of months are used in the annuity formula. The payment stays level while the interest share falls over time.
How should you read the result?
Check affordability first, then compare total interest, fees and the full amount repaid.
Frequently asked questions
How is the monthly payment calculated?
It is calculated with the annuity formula using principal, annual rate and term.
Are fees included?
The fee you enter is added separately to the total credit cost.
Is this an official offer?
No. The result is an estimate for planning; final contract terms may differ.
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Read the calculation methodology and finance guide for formulas and assumptions. Calculation methodology · Finance guide