Terugbetalingscalculator
Calculate your loan repayment schedule: monthly payment, total interest, and a breakdown of principal vs interest over time.
Uw gegevens
Enter loan amount, interest rate, and repayment period in years to see your monthly payment and schedule.
Uw maandelijkse betaling
$0
Tweewekelijks: $0 • Wekelijks: $0
Number of Payments
0
Totale rente
$0
Totale kosten
$0
Interesse %
0%
Betalingsverdeling
Vergelijk voorwaarden
| Termijn | Maandelijks | Interesse |
|---|
Betalingsschema (eerste 12 maanden)
| Maand | Betaling | Voornaam | Interesse | Evenwicht |
|---|
Volledige gebruikershandleiding
What is the Repayment Calculator?
This calculator computes your fixed monthly loan repayment using the standard amortization formula. Enter the loan amount, annual interest rate, and repayment period in years. You get the monthly payment, total interest over the life of the loan, a principal vs interest breakdown, and the first 12 months of the schedule. You can also compare different term lengths.
The repayment amount is the same every month; only the split between principal and interest changes. Early in the loan, most of each payment goes to interest; toward the end, most goes to principal.
Repayment Formula
The standard formula for a fixed monthly repayment (amortizing loan):
M = P × [r(1+r)^n] ÷ [(1+r)^n − 1]
M = monthly payment, P = principal, r = monthly rate (annual ÷ 12), n = number of payments
Sleutelconcepten
Voornaam
The amount you borrow. Each payment pays down principal and interest; early on, most of the payment is interest.
Repayment period
Shorter terms mean higher monthly payments but less total interest; longer terms mean lower payments but more interest paid over time.
Afschrijving
Paying off the loan with equal monthly payments. The schedule shows how each payment is split between principal and interest each month.
Hoe deze rekenmachine te gebruiken
- Enter the loan amount (total you plan to borrow).
- Enter the annual interest rate and repayment period in years.
- Click Calculate Repayment to see monthly payment, total interest, breakdown chart, term comparison, and first 12 months schedule.
- Review the charts and term comparison to see how different terms affect payment and total cost.
Inzicht in uw resultaten
Monthly payment
The fixed amount you pay each month. The split between principal and interest changes over time.
Total interest
The sum of all interest over the life of the loan. Shorter repayment periods reduce this.
Interesse %
The percentage of total payments that goes to interest. A lower percentage means less cost of borrowing.
Term comparison and schedule
Compare different term lengths. The schedule shows the first 12 months: payment, principal, interest, and remaining balance.
De grafieken begrijpen
Betalingsverdeling
A doughnut chart showing total principal vs total interest over the full term.
Principal vs Interest (First 12 Months)
A stacked bar chart showing how each monthly payment is split between principal and interest in the first year.
Typical Payment Split Over Time
In an amortizing loan, the share of each payment that goes to interest vs principal changes:
| Periode | Interest share | Principal share |
|---|---|---|
| Early months | Higher | Lower |
| Final months | Lower | Higher |
Belangrijke opmerkingen
- This is for estimation only. Actual payments may vary with fees, insurance, or lender rounding.
- Biweekly and weekly figures are approximate.
- Compare offers from multiple lenders. APR and fees can vary significantly.