Estimate a monthly payment, total repayments and the cost of a fixed-rate loan. The full simulator also compares future payments with today’s money and prices.
For a mortgage, car or personal loan, enter the amount, term, rate and fees. The dashboard then offers adjusted equivalents, separate from the repayments actually owed.
Check your values: amount and term must be above zero, and the term cannot exceed 50 years.
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You now know what you repay in today's face value. The dashboard adds two lines that restate those future payments in today's money, once at the pace of money creation, once at official inflation. Both need continuously updated data, so they live there rather than here.
Enter the amount for your purchase, the term and the nominal annual interest rate excluding fees. Entered one-off fees are financed: they are added to principal and bear interest. This is not a monthly insurance field. The requested rate is not APR, which already includes certain costs.
For €1,200 over 12 months at 0% interest and no fees, you repay €100 per month. With €120 in financed fees, principal becomes €1,320 and the payment €110. At a rate above zero, interest is added.
The monthly payment is what you repay each month. The total adds all payments. Financing cost is the total minus the amount for the purchase: it includes interest and financed fees. The model assumes equal payments and no early repayment.
They express future repayments using two separate benchmarks: prices and the amount of money. For money supply, imagine the pie at each payment date: a fixed amount is a smaller slice if that pie grows. The site extends past rates to calculate these equivalents. The amount actually owed to the bank remains the contractual amount.
This model covers a fixed-rate amortizing loan. It does not automatically cover variable rates, payment holidays, monthly insurance or every banking convention. The guide page calculates payment and total; the dashboard adds economic comparisons.