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Loan calculator.
Compare terms and rates for a personal or car loan. If you make a down payment, subtract it from the price and enter only the financed amount.
Regular monthly payment
Enter your values and calculate a scenario.
Monthly rounding to the nearest cent, with halves rounded up. The final loan payment is adjusted; very small loans may finish early. Additional costs are excluded. Illustrative simulation, not financial advice.
Assumptions and rounding
We use fixed-rate French amortization with payments at the end of each month. Origination fees, insurance, taxes, payment holidays and agreed balloon payments are excluded. An offer with those costs is not equivalent to this simulation. A nominal rate differs from an APR including costs.
Monthly rounding to the nearest cent, with halves rounded up. The final loan payment is adjusted; very small loans may finish early. Additional costs are excluded. Illustrative simulation, not financial advice.
An example to check
Example: €1,200 at a 12% nominal annual rate for one month accrues €12 interest and requires one €1,212 payment. At 0%, only principal is divided between payments.
Banco de España · Simulador de préstamos ↗