Mortgages, car loans, personal loans: the headline rate tells you almost nothing. The total interest, the monthly payment and how it splits between principal and interest tell you everything. The ChrysoKit Loan Calculator shows you all three.
Why use it
Bank calculators stop at the monthly payment. We show the full amortisation schedule so you can see how much you owe at any point in the loan.
How to use the Loan Calculator
- Enter the loan amount, interest rate and term.
- Read the monthly payment and total interest.
- Open the amortisation table for the year-by-year breakdown.
- Adjust the inputs to compare scenarios.
Features worth knowing
Monthly payment and total cost
Both numbers are essential; we show them side by side.
Amortisation schedule
Year by year, principal vs interest, ending balance.
Scenario comparison
Tweak the rate or term and see the effect immediately.
Pro tips
- A small rate change has a large total-cost effect over long terms. The 0.25% you negotiate is worth more than it looks.
- Early payments hit principal harder than late payments, because they cut interest on every future payment.
- Total interest paid is often close to the loan principal on long mortgages. Small overpayments matter.
Privacy first. The Loan Calculator runs entirely in your browser. Nothing you enter is sent to a server.
Run any loan you are considering through the Loan Calculator before signing. The total cost line alone is often the most useful number you will see all month.
Open the tool: Loan Calculator →
Reading an amortisation table like a negotiator
Walk into rate-shopping armed with the calculator's full schedule rather than the monthly payment alone, and several negotiating facts become visible that the headline number hides.
Fact one: rate differences compound brutally over long terms. On 180,000 EUR over 25 years, the difference between 3.8% and 4.1%... a gap that sounds like rounding... is about 9,300 EUR of total interest. That number, stated in euros instead of points, changes the energy of a conversation with a lender, and is exactly what their competitor's offer printout is for.
Fact two: the early years are where prepayment lives or dies. The schedule shows that in year three of a 25-year loan, roughly two-thirds of each payment is still interest; a 5,000 EUR lump sum applied then erases a multiple of itself in future interest. The same lump in year twenty barely matters. Prepayment penalties, where legal, exist precisely because banks can read the same table... so the penalty terms deserve as much negotiation as the rate.
Fact three: total cost reframes term selection. The 25-year option's payment is seductively lower than the 20-year's, but the schedule prices that comfort precisely... often tens of thousands... and seeing the two totals side by side converts "what can I afford monthly?" into the better question: "what is this flexibility costing, and is there a cheaper way to buy it?"