Hypothekentilgungsrechner

Sehen Sie sich Ihren vollständigen Zahlungsplan an, der zeigt, wie jede Zahlung zwischen Kapital und Zinsen aufgeteilt wird.

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Ihr Tilgungsplan

Geben Sie Ihre Kreditdaten ein, um eine vollständige Zahlungsaufschlüsselung anzuzeigen.

Vollständiges Benutzerhandbuch

What is Loan Amortization?

Loan amortization is the process of spreading a loan into a series of fixed payments over time. Each payment covers both the interest expense and the reduction of the principal balance. An amortization schedule provides a detailed table showing exactly how much of each payment goes toward interest versus principal, and the remaining balance after each payment.

M = P × [r(1+r)ⁿ] / [(1+r)ⁿ - 1]

This is the standard amortization formula where M = Monthly Payment, P = Principal (loan amount), r = Monthly Interest Rate (annual rate ÷ 12), and n = Total Number of Payments (years × 12). The key insight is that while your total payment stays the same each month, the split between principal and interest shifts dramatically over time.

So funktioniert die Amortisation

Early Payments: Mostly Interest

At the start of your loan, the outstanding balance is at its highest. Since interest is calculated on the remaining balance, a large portion of your early payments goes toward interest. For example, on a $300,000 loan at 6.5%, your first payment of $1,896 includes $1,625 in interest and only $271 toward principal.

Middle Payments: The Crossover Point

Around the midpoint of your loan term, payments cross over — more starts going to principal than interest. This is the tipping point where you begin building equity faster. On a 30-year loan, this crossover typically happens around year 18-20.

Late Payments: Mostly Principal

In the final years, most of your payment goes directly to reducing the loan balance. The interest portion shrinks significantly because the remaining balance is much smaller. Your last few payments are almost entirely principal.

Extra Payments: Accelerate Payoff

Extra payments go directly toward reducing principal, which means less interest accrues on future payments. Even small extra payments early in the loan term can save tens of thousands in interest and shave years off your mortgage.

So verwenden Sie diesen Rechner

  1. Enter your total loan amount (the amount borrowed, not the home price)
  2. Enter the annual interest rate from your lender
  3. Select your loan term — 10, 15, 20, 25, 30, or 40 years
  4. Set the loan start date (month and year)
  5. Optionally expand 'Add Extra Payments' to enter monthly or yearly extra amounts
  6. Click 'Calculate Schedule' to generate your complete amortization table
  7. Switch between Monthly and Yearly views to see different breakdowns
  8. Use the Balance/Breakdown chart tabs to visualize your loan
  9. Export to CSV for use in spreadsheets or financial planning

Verstehen Sie Ihre Ergebnisse

Monatliche Zahlung

The fixed amount you pay each month for the life of the loan (excluding extra payments). This amount stays constant but the split between principal and interest changes with every payment.

Gesamtzins

The total amount of interest you'll pay over the entire loan term. On a 30-year mortgage, total interest can exceed the original loan amount — for example, a $300,000 loan at 6.5% costs over $382,000 in interest alone.

Gesamtbezahlt

The sum of all payments made over the life of the loan, including both principal repayment and interest charges. This represents the true total cost of your mortgage.

Balance Chart

Shows how your remaining loan balance decreases over time. The curve is steep at the end because more of each payment goes to principal as the loan matures.

Breakdown Chart

A doughnut chart showing the proportion of your total payments that went to principal versus interest. This gives a quick visual of how much of your money went to the lender versus paying down the loan.

Amortization Formula

The standard loan amortization formula used to calculate fixed monthly payments:

Monthly Payment Calculation:

M = P × [r(1 + r)ⁿ] / [(1 + r)ⁿ − 1]

Wo:

  • M = Monatliche Zahlung
  • P = Principal (Loan Amount)
  • r = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)
  • n = Total Payments (Loan Term in Years × 12)

Per-Payment Breakdown:

  • Interest Portion = Remaining Balance × r
  • Principal Portion = M − Interest Portion
  • New Balance = Remaining Balance − Principal Portion

Loan Term Comparison ($300,000 at 6.5%)

See how different loan terms affect your monthly payment and total interest paid.

Kreditlaufzeit Monatliche Zahlung Gesamtzins Gesamtbezahlt
10 Jahre$3,407$108,808$408,808
15 Jahre$2,613$170,388$470,388
20 Jahre$2,238$237,052$537,052
25 Jahre$2,028$308,275$608,275
30 Jahre$1,896$382,633$682,633
40 Jahre$1,740$535,366$835,366

Wichtige Hinweise

  • This calculator assumes a fixed-rate loan with constant monthly payments. Adjustable-rate mortgages (ARMs) will have different payment schedules.
  • The schedule shows principal and interest only. Property taxes, homeowners insurance, PMI, and HOA fees are not included — use our Mortgage Calculator for a complete PITI breakdown.
  • Check with your lender before making extra payments — some loans have prepayment penalties, though these are becoming less common.
  • Actual payment dates and amounts may vary slightly due to rounding and your lender's specific calculation methods.

Vorteile zusätzlicher Zahlungen

Making extra payments toward principal provides significant advantages:

  • Save tens of thousands of dollars in total interest
  • Pay off your mortgage 5-10 years earlier
  • Build home equity much faster
  • Reduce financial risk and gain peace of mind
  • Even $100/month extra can save $50,000+ on a 30-year loan
  • Biweekly payments equal 13 monthly payments per year

When NOT to Pay Extra

Sometimes it's better to invest extra money elsewhere:

  • If you have higher-interest debt (credit cards, personal loans)
  • If you don't have a 3-6 month emergency fund
  • If your employer offers 401(k) match you're not using
  • If your mortgage rate is very low (below 4%)
  • If you need the money for other essential expenses
  • If your loan has prepayment penalties

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