Loan overpayment calculator
Compare shortening the term with reducing the monthly payment, including any overpayment fee.
Sources and adopted values
Calculation schedule
| Month | Principal | Interest | Value | Value | Balance |
|---|---|---|---|---|---|
| Fill in the fields above — the result is computed on this page. | |||||
How do I use this page?
- Fill in the fields in the form above — the result recomputes at once, with no page reload.
- Under the result you will find the interpretation scale, if the calculator has one: it says which range your value fell into.
- The formula we use is shown lower on this page — you can check the arithmetic yourself.
- To compute the same for another game or variant, change it in the select field — prices and pools update automatically.
What this page does not do: The model assumes a constant interest rate and entered payment rules. A bank may use different dates, rounding and fee conditions.
Further reading
Theory — what is a loan overpayment calculator?
A loan overpayment calculator compares the standard repayment schedule with a variant adding an extra one-time or regular payment to the principal. The overpayment lowers the balance the bank charges interest on, so the earlier it hits the principal, the longer it benefits the borrower. The tool shows two options: shortening the term at the same payment, or lowering the future payment at the same term, with total interest shown before and after. Shortening the term usually cuts total interest more than lowering the payment.
Frequently asked questions
What does the loan overpayment calculator include?
Is this result exact?
Which values should I enter?
Can I use the result to compare scenarios?
See also
Loan refinancing calculator
Compare the remaining cost of a current loan with refinancing costs, payment and estimated break-even time.
Mortgage calculator Poland
Calculate a mortgage payment, LTV, interest, commission, recurring fees and a higher-rate scenario.
Loan payment calculator
Calculate loan payments, interest, fees, total cost and total amount payable.