Early Repayment Calculator
Calculate how much you save by making extra payments: monthly, yearly, or lump sum.
Loan details
%
Extra payments
You'll save
€12413
in interest
Pay off early by
34 months
(2a 10m)
Regular payment
€ 0,00
Total monthly
€ 0,00
Comparison
Total interest
€77754
Total cost
€227754
Total interest
€65341
Total cost
€215341
Interest breakdown
Time comparison
Tips
Even small extra payments make a big difference over time.
Using annual bonuses or tax refunds accelerates payoff.
Verify your loan has no prepayment penalty.
What is early repayment?
Paying more than the minimum payment on your loan. The extra goes directly to principal, reducing balance and future interest.
Extra payment strategies
Monthly extra: consistent and easy to budget. Yearly payment: ideal for bonuses. Lump sum: good for inheritances or sales.
Important considerations
Check for prepayment penalties. Prioritize high-interest debt. Maintain an emergency fund before making extra payments.