Estimate the monthly payment, interest and total cost of a fixed-rate amortizing loan, with or without optional insurance.
Your financing
Adjust the principal, rate, term and insurance to see their effect on your monthly payment instantly.
| Year | Principal repaid | Interest | Total paid | Balance remaining |
|---|---|---|---|---|
| 1 | €8,788.90 | €8,609.90 | €17,398.80 | €241,211.10 |
| 2 | €9,101.49 | €8,297.31 | €17,398.80 | €232,109.61 |
| 3 | €9,425.21 | €7,973.59 | €17,398.80 | €222,684.40 |
| 4 | €9,760.42 | €7,638.38 | €17,398.80 | €212,923.98 |
| 5 | €10,107.58 | €7,291.22 | €17,398.80 | €202,816.40 |
| 6 | €10,467.08 | €6,931.72 | €17,398.80 | €192,349.32 |
| 7 | €10,839.35 | €6,559.45 | €17,398.80 | €181,509.97 |
| 8 | €11,224.86 | €6,173.94 | €17,398.80 | €170,285.11 |
| 9 | €11,624.13 | €5,774.67 | €17,398.80 | €158,660.98 |
| 10 | €12,037.57 | €5,361.23 | €17,398.80 | €146,623.41 |
| 11 | €12,465.70 | €4,933.10 | €17,398.80 | €134,157.71 |
| 12 | €12,909.06 | €4,489.74 | €17,398.80 | €121,248.65 |
| 13 | €13,368.20 | €4,030.60 | €17,398.80 | €107,880.45 |
| 14 | €13,843.66 | €3,555.14 | €17,398.80 | €94,036.79 |
| 15 | €14,336.03 | €3,062.77 | €17,398.80 | €79,700.76 |
| 16 | €14,845.92 | €2,552.88 | €17,398.80 | €64,854.84 |
| 17 | €15,373.94 | €2,024.86 | €17,398.80 | €49,480.90 |
| 18 | €15,920.75 | €1,478.05 | €17,398.80 | €33,560.15 |
| 19 | €16,487.00 | €911.80 | €17,398.80 | €17,073.15 |
| 20 | €17,073.15 | €325.41 | €17,398.56 | €0.00 |
Indicative fixed-rate simulation. Arrangement, guarantee and other ancillary fees are not included.
Understand the loan
With a fixed-rate amortizing loan, each payment covers part of the principal and part of the interest. The payment stays level, but its composition changes over time.
The principal C is the amount provided by the lender. The nominal annual rate is converted into a monthly rate i, usually by dividing it by twelve, while the term is expressed as the total number of payments n.
These three variables determine the payment before insurance: borrowing more, choosing a shorter term or paying a higher rate increases the monthly amount.
When you enter an insurance rate, this calculator applies it to the initial principal. The estimated premium therefore stays constant and is added to the loan payment. Some policies instead use the outstanding balance.
Application, guarantee and broker fees, lender-specific terms, taxes and other potential costs are not included. The result is indicative and is not a financing offer.
Understand the numbers
For the same loan amount, the term spreads repayment across more or fewer instalments. This table compares monthly payments and cumulative cost so you can look beyond the monthly amount alone.
| Term | Monthly payment incl. insurance | Total interest | Interest + insurance cost |
|---|---|---|---|
| 15 years | €1,479.77 | €57,357.45 | €66,357.45 |
| 20 years | €1,209.92 | €78,380.66 | €90,380.66 |
| 25 years | €1,051.25 | €100,373.59 | €115,373.59 |
€200,000 principal, hypothetical fixed nominal annual rate of 3.5%, and annual insurance of 0.3% on the initial principal, or €50 monthly. Arrangement, guarantee and broker fees excluded. These are calculation assumptions, not loan offers. Amounts rounded to cents.
Keep the principal at €200,000, the term at 20 years and insurance at 0.3%. Only the nominal rate changes. Displayed cost combines interest and insurance, excluding ancillary fees.
| Nominal rate | Monthly payment incl. insurance | Total interest | Interest + insurance cost |
|---|---|---|---|
| 3 % | €1,159.20 | €66,206.43 | €78,206.43 |
| 3.5 % | €1,209.92 | €78,380.66 | €90,380.66 |
| 4 % | €1,261.96 | €90,870.79 | €102,870.79 |
A longer term can lower monthly payments while raising cumulative cost. When comparing actual offers, also examine fees and the APR (TAEG in France): the nominal rate used here does not represent the entire cost of borrowing.
Each month, interest is calculated on the outstanding principal. The payment excluding insurance covers that interest and repays part of the principal. The calculator rounds payments to cents and adjusts the last one to clear the balance. At a zero rate, the payment excluding insurance is simply the principal divided by the number of months. Insurance remains separate from principal repayment.
HCSF — French mortgage lending conditions (in French)FAQ
The essentials to know when interpreting the payment and comparing financing scenarios.
Yes, but only when you enter a rate. Here it is calculated on the initial principal, producing a constant monthly premium. Insurance based on the outstanding balance will change over time.
The estimate excludes application, guarantee and broker fees, bank charges, taxes, penalties, rate changes and any lender-specific terms or conditions.
No. It is a mathematical estimate, not a financing offer. A lender will assess factors such as your income, expenses, collateral, debt burden and eligibility.