Lening Calculator
Bereken direct de maandelijkse betalingen en de totale rente voor hypotheken, auto- en persoonlijke leningen.
Ondersteunt standaard aflossingsmethoden en scenario's voor vervroegde aflossing.
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About
A free Loan Repayment Simulator that instantly calculates monthly payments, total repayment, and total interest for mortgages, auto loans, and personal loans. Supports both Fixed Payment (Amortized) and Fixed Principal methods.
You can also simulate the savings generated by making early extra payments (prepayments). All calculations occur entirely within your browser for full privacy.
How to Use
Input Loan Details
Enter the loan amount, interest rate, term length, and repayment type.
Add Prepayments
Optionally add early repayments for specific years to see how much interest you can save.
Review Results
Your monthly payments, totals, and interactive charts will update in real-time.
Glossary
- Fixed Payment (Standard Amortization)
- A repayment method where the monthly payment remains constant. A higher portion goes to interest early on.
- Fixed Principal
- A method where the principal payment is constant. Monthly payments start high and decrease over time, resulting in less total interest.
- Prepayment
- Making extra payments towards the loan principal. This reduces the total interest paid and shortens the loan term.
- DTI Ratio (Debt-to-Income)
- The percentage of your gross annual income that goes towards paying your debts. Lenders often look for generic DTI under 36%.
- Total Interest
- The overall cost of borrowing the money, paid over the entire duration of the loan.
FAQ
- Q.When is the best time to make early prepayments?
- The earlier in the loan term you make extra payments, the more money you will save on long-term interest.
- Q.Can I simulate variable rate mortgages?
- This tool currently simulates fixed-rate loans. For ARMs (Adjustable-Rate Mortgages), entering the average expected rate provides a rough estimate.
- Q.Is my financial data loaded to a server?
- No. This tool operates entirely in your browser using JavaScript. No data is sent over the internet.
- Q.Does this account for Homeowners Insurance or Property Taxes?
- No, this calculator only handles the Principal and Interest (P&I) components of the loan. Real-world mortgages may have higher monthly requirements due to taxes, insurance, or HOA fees.
Use Cases
🏠 Mortgage Planning
Simulate house loan burdens considering different interest rates and down payments.
🚗 Auto Financing
Compare total costs across 36, 48, or 60-month loan terms before visiting a dealership.
📚 Student Loans
Determine how much faster you can clear student debt by making $100 extra payments monthly.
🔄 Refinancing
Check how much money you could save by switching to a loan with a lower interest rate.
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Laat ons uw mening weten om ons te helpen de tool te verbeteren.
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