Investing & Finance

Installment loan calculator

The loan amount, interest rate and term are enough to accurately estimate your monthly payment.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Calculator

Loan amount

Deposit or existing credit

Debit interest per year (%)

Duration in months

One-off costs

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Result

The monthly rate remains the same throughout the entire term if the interest rate and term remain unchanged.

monthly rate €292.79

Amount financed: €15,000.00
Interest costs: €2,567.41
Total payment to the bank: €17,567.41
Total expense including down payment: €17,567.41

The calculator shows a classic installment loan without special repayments, residual debt insurance or variable interest rates.

Examples

Typical calculations

15,000 euros over 60 months.

Household loan

monthly rate: €292.79

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10,000 euros needed, 2,000 euros already available.

With deposit

monthly rate: €184.96

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Classic zero percent financing.

Interest free

monthly rate: €200.00

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FAQ

Frequently asked questions

How does the calculator differ from the car loan calculator?

This calculator is deliberately kept general and is suitable for consumer loans, debt restructuring and other purposes.

Is the APR included?

No. The calculator works with the entered interest rate. You should check processing costs and insurance separately.

What happens at 0 percent interest?

The financed amount is then distributed evenly over the months.

Are special repayments taken into account?

No. Special repayments would further reduce the remaining term or the remaining debt.

What counts as a one-time cost?

For example, payout discounts, brokerage costs or additional contractual fees.

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Sources and notes

Rule status and context

Formula: Annuity formula for constant monthly installments; Special case 0 percent interest as a simple distribution over the term.
Note: The calculation is a guide and does not replace a binding loan offer from the bank.