Loan overpayment calculator
See how overpayment affects installment, interest and repayment period
How does the overpayment calculator work and how to read the result?
The calculator compares the repayment schedule before and after the loan overpayment. It shows how the overpayment affects the installment amount, the remaining repayment period, and the total interest cost. The biggest difference depends on whether you choose to shorten the period or reduce the installment after the overpayment. Shortening the period usually gives greater interest savings, while reducing the installment improves the monthly budget.
Simulating overpayment
We check the impact of one-time or regular payments on your loan.
Shortening the term or installment
Choose whether you prefer to pay less each month or get rid of the debt faster.
Seeing the savings
We calculate exactly how much less interest you will give back to the bank thanks to overpayment.
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Frequently Asked Questions (FAQ)
An overpayment directly reduces the principal, which means that interest in subsequent months is calculated from a smaller amount. This can result in lower subsequent installments or a significantly shorter repayment period.
Financially, shortening the loan term is the most beneficial – it allows for the greatest interest savings. Reducing the payment is a better solution if you want to ease the household budget and increase monthly liquidity.
From a mathematical point of view, it is better to overpay as soon as possible, i.e., regularly every month. Thanks to this, interest is calculated faster from a lower principal amount.
Near the end of the loan term, most of the installment is principal, not interest. Overpayment still pays off, but savings will be smaller than at the beginning of repayment. It's worth considering whether these funds would work better in a savings account or other investment.
Loan overpayment has a positive effect on your creditworthiness because it reduces the debt balance. Banks see that you are handling the obligation better than the schedule assumes, which can be an asset for future loan applications.