Three simple steps
How to use the Loan Calculator
- 01
Enter the amount you plan to borrow.
- 02
Add the annual interest rate and repayment term.
- 03
Compare the estimated monthly payment, total interest and full repayment.
Finance calculator
Loan Calculator
Estimate a fixed-rate loan's monthly repayment, total interest and overall cost before comparing offers.
Instant calculation Runs in your browser
Uses a fixed interest rate and equal monthly repayments.
Estimated monthly payment
€1,389.58Total interest€166,874.36
Total repaid€416,874.36
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Worked example
€250,000 at 4.5% for 25 years
CalculationFixed-rate amortisation over 300 months
ResultAbout €1,389.58 per month
The method
How it works
Monthly interest
The annual percentage rate is divided by 12 to create a monthly rate for the repayment formula.
Equal instalments
The amortisation formula spreads principal and interest across equal monthly payments for the selected term.
Total borrowing cost
Monthly payment multiplied by the number of months gives total repayment; subtracting principal gives total interest.
Helpful answers
Frequently asked questions
Does the result include fees?
No. Arrangement fees, insurance, valuation costs, taxes and variable-rate changes are not included unless already part of the entered principal or rate.
What happens at a 0% interest rate?
The principal is divided evenly across all monthly payments, so total interest is zero.
Is this a mortgage offer?
No. It is an illustrative calculation, not lending advice or an offer. Confirm costs and eligibility with the lender.