Estimate the monthly payment and total cost of any loan (mortgage, auto, personal...), then compare it against money-supply growth and official inflation, to see what you're really paying back in purchasing power.
Open the live calculator → On moneyprinter.uk, click the "Daily Life" tabOver 240 payments, loan paid off in 20 years.
Including roughly €90,900 in interest.
The live calculator adds two lines that recompute these future payments in today's money, once based on the pace of money-supply growth, once based on official inflation (data updated continuously, so not reproduced here).
The calculator applies the classic amortization formula, valid for any fixed-rate loan with constant payments: mortgage, auto, personal, home improvement... The monthly payment stays fixed for the whole term, but its composition shifts over time, a shrinking share of interest and a growing share of principal paid down. You enter the amount borrowed, the term in years, the annual rate, and any fees to fold into the principal, and the calculator shows the monthly payment, the payoff date, and the total cost.
The part that sets it apart from a plain loan calculator: it then recomputes those future payments in today's money, once based on money-supply growth over the past ten years, once based on official inflation. That lets you see whether a fixed-rate loan actually "gets lighter" over time once money-supply dilution is factored in, regardless of what the loan is for.
With the formula M = P × r / (1 − (1+r)^−n), where P is the principal (fees included), r is the monthly interest rate (annual rate ÷ 12), and n is the total number of payments. It applies to any fixed-rate loan, mortgage, auto, or personal.
Paying off a loan over many years means paying a fixed amount with money whose real value shifts. Comparing it to the pace of money-supply growth and official inflation gives a sense of what those payments really represent in future purchasing power, not just a nominal amount.
Yes, the calculator is generic. Only fees specific to one type of loan, like mortgage insurance, aren't included automatically and should be added separately if needed.