Loan Calculators
Monthly payment, creditworthiness, APR and late-payment interest — all in one wizard.
Choose a calculator above — everything runs locally in your browser.
Indicative figures only — does not include APR or additional bank charges.
Repayment schedule
| No. | Instalment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | £2,216.97 | £341.97 | £1,875.00 | £299,658.03 |
| 2 | £2,216.97 | £344.11 | £1,872.86 | £299,313.92 |
| 3 | £2,216.97 | £346.26 | £1,870.71 | £298,967.65 |
| 4 | £2,216.97 | £348.43 | £1,868.55 | £298,619.23 |
| 5 | £2,216.97 | £350.60 | £1,866.37 | £298,268.62 |
| 6 | £2,216.97 | £352.79 | £1,864.18 | £297,915.83 |
| 7 | £2,216.97 | £355.00 | £1,861.97 | £297,560.83 |
| 8 | £2,216.97 | £357.22 | £1,859.76 | £297,203.61 |
| 9 | £2,216.97 | £359.45 | £1,857.52 | £296,844.16 |
| 10 | £2,216.97 | £361.70 | £1,855.28 | £296,482.46 |
| 11 | £2,216.97 | £363.96 | £1,853.02 | £296,118.51 |
| 12 | £2,216.97 | £366.23 | £1,850.74 | £295,752.27 |
Loan, creditworthiness and APR calculator — all in one place
This wizard combines four essential loan calculators: a loan instalment calculator (fixed and decreasing), a creditworthiness calculator, an APR calculator, and a late-interest calculator. No need to hunt for separate tools — just pick a tab and enter your figures. All calculations run entirely in your browser without sending data to external servers.
The mortgage and personal loan calculator lets you check the monthly payment for fixed (annuity) or decreasing instalments and view a full repayment schedule broken down into principal and interest. The APR calculator makes it easy to compare bank offers that each use a different fee and commission structure.
Full privacy — calculations run locally
None of the financial data you enter in the loan calculators is sent to a server. Every formula — from the repayment schedule to the creditworthiness estimate — runs exclusively in your browser. You can use the tool without logging in, without registering, and without any privacy concerns.
Frequently asked questions
- What is the difference between a fixed instalment and a decreasing instalment?
- A fixed (annuity) instalment stays the same throughout the loan term — at first you pay mostly interest, and over time an increasing share goes to principal. A decreasing instalment has a constant principal part and a shrinking interest part, so the first payment is higher but the total loan cost is lower. The loan calculator shows both options along with a full repayment schedule.
- What is APR and why does it matter?
- APR (Annual Percentage Rate) accounts not only for the nominal interest rate but also for all fees, insurance, and additional charges. It lets you compare offers from different banks on equal terms. The APR calculator derives this figure from the loan costs you enter.
- How is creditworthiness calculated?
- Banks estimate creditworthiness based on net income, fixed liabilities (other loans, maintenance payments), household size, and the proposed loan amount and term. The creditworthiness calculator on this page gives an indicative result — the final decision rests with the bank.
See also
Savings Calculators
Bank deposit with tax and compound interest — calculate how much your savings will grow.
Shopping Calculators
Margin and markup, discount and sale price — handy for retailers and bargain hunters.
Currency Converter
Convert currencies using live ECB reference rates — EUR, USD, GBP, CHF and more.