Financial mathematics tool for loans and mortgages
Straight-line Amortization (Equal Repayments)
With straight-line amortization, the same repayment amount is paid each period. Interest decreases as the remaining debt falls, so the total burden declines over time.
Deduction from disbursement amount (0% = no discount)
Annuity Amortization (Constant Total Payment)
With annuity amortization, the total payment remains constant each period. Repayment increases while interest decreases as the remaining debt falls.
Deduction from disbursement amount
Straight-line with Changes
Calculation of straight-line amortization with extra repayments, repayment-free years, interest or repayment changes during the term.
Deduction from disbursement amount
Extra repayments
Additional one-off or recurring repayments alongside the regular annuity.
Repayment-free years
In the first years only interest is paid, no repayment.
Interest rate change during term
The interest rate changes at a specific point in time (e.g. end of fixed-rate period).
Change of repayment rate
Die Tilgungsrate ändert sich zu einem bestimmten Zeitpunkt (Erhöhung oder Reduzierung).
Payment pause (suspension)
Complete payment stop for a period. Interest is deferred and added to the remaining debt.
Agio (premium on disbursement)
Opposite of discount: the disbursement exceeds the loan amount, resulting in a lower effective interest burden.
Premium on disbursement amount
Annuity with Changes
Berechnung von Annuitätentilgungen mit Sondertilgungen, tilgungsfreien yearsn, Zins- oder Annuitätsänderungen während der Laufzeit.
Deduction from disbursement amount
Extra repayments
Additional one-off or recurring repayments alongside the regular annuity.
Repayment-free years
In the first years only interest is paid, no repayment.
Payment pause (suspension)
Complete payment stop for a period. Interest is deferred and added to the remaining debt.
Interest rate change during term
The interest rate changes at a specific point in time (e.g. end of fixed-rate period).
Change of annuity
The annuity changes at a specific point (increase or reduction).
Agio (premium on disbursement)
Opposite of discount: the disbursement exceeds the loan amount, resulting in a lower effective interest burden.
Premium on disbursement amount
Loan Comparison
Vergleichen Sie bis zu 4 verschiedene Kredite mit unterschiedlichen Konditionen nebeneinander. Ideal für die Entscheidungsfindung beim Immobilien- oder Unternehmenskauf.