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How to read the result

The advertised rate is only the start of the calculation

Compare offers by total payments, overpayment, and mandatory fees. These figures show the real pressure on your budget better than a single interest rate.

01

Check the payment

Make sure the monthly amount stays comfortable even when unexpected expenses arise.

02

Add every fee

Insurance, servicing charges, and one-time fees can materially change the total cost.

03

Compare scenarios

Adjust the term and down payment to balance a lower payment against a lower overpayment.

What the calculator includes

Annuity and differentiated payments, a down payment, one-time and monthly fees, balance-based fees, currency, and the payment start date. You can export the schedule to CSV.

Calculation limits

The result is an estimate and does not replace the lender’s payment schedule or the APR disclosed in your agreement. Verify mandatory services, interest rules, and early repayment terms before signing.