How it works
The baseline payment is calculated from the remaining balance, rate and term. The accelerated schedule applies the lump sum first, then adds the chosen extra amount to every monthly payment.
Loans and credit
Early Loan Repayment Calculator
Compare your remaining loan schedule with an accelerated repayment scenario.
Your result3 years 1 month
Potential repayment time saved.
- Estimated new payoff time
- 14 years 11 months
- Interest saved
- €14,623.27
- Accelerated monthly payment
- €1,224.39
- Baseline remaining interest
- €62,868.36
Understanding your result
Time saved shows how much earlier the balance could reach zero. Interest savings exclude any early-repayment penalties, administrative fees or tax consequences.
Last verified:
03FAQ
Frequently asked questions
A lump sum reduces the interest-bearing balance immediately. Monthly extras are more gradual but may be easier to fit into a budget. You can combine both.