Tool

Loan simulator

Q: Which mode suits me: fixed payments or interest-only?

With fixed payments (French amortization) you pay a constant monthly installment of interest and principal, and you finish debt-free. With interest-only you pay just the interest each month —lower installments— and return the full principal at the end; it works when you expect future liquidity (selling an asset or collecting an invoice), but you pay more interest overall because the principal never goes down during the term.

Choose the mode —fixed payments or interest-only with principal at the end—, enter amount, rate and term, and get your monthly payment and the full schedule. Download it as CSV.

Monthly payment

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Fixed installment (French amortization system)

Final payment—

Total to repay—

Total interest—

Principal—

Cost of the loan—

Month	Payment	Interest	Principal	Balance

Assumptions & method

Two modes: (a) fixed payments — equal installment with French amortization, interest on the outstanding balance; (b) interest-only — each month you pay only the interest (P × i) and return the full principal in the final payment.
Interest rate expressed as a nominal annual rate, converted to monthly by dividing by 12 (i = rate/12).
Does not include fees, insurance, IVA or appraisal costs. For the total cost with fees, use the Total cost & CAT calculator.
This is an estimate; the actual terms are agreed in writing before signing.

Frequently asked questions

The essentials, in brief

Which mode suits me: fixed payments or interest-only?

With fixed payments (French amortization) you pay a constant monthly installment of interest and principal, and you finish debt-free. With interest-only you pay just the interest each month —lower installments— and return the full principal at the end; it works when you expect future liquidity (selling an asset or collecting an invoice), but you pay more interest overall because the principal never goes down during the term.

Does the rate include IVA?

No. This calculator uses the nominal interest rate. As a general rule, interest on a loan is subject to IVA (16%), with specific exemptions such as residential mortgages and certain business loans within the financial system. Confirm in your contract how your rate is expressed; the details are in our article on IVA on interest.

Do you store my data?

No. All the calculation happens in your browser and nothing is sent or stored. When you reload the page, the data disappears.

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