Loan Payment Calculator

This calculator uses the standard amortization formula to find the fixed monthly payment for a loan: it depends on the amount borrowed, the annual interest rate and the term in years. A €200,000 mortgage at 3.5% over 25 years costs about €1,001 per month.

Even small rate changes matter: the same loan at 4.5% costs €1,112 monthly — over €33,000 more across the term. Use the mortgage total cost calculator to see the full interest bill, and the compound interest tool to understand the mechanics behind it.