NettoRatethe honest loan calculator

Mortgage & Loan Calculator with Inflation

See your monthly payment, what you can afford, and — unlike other calculators — the real cost of your loan after inflation. No ads, no sign-up, no lead-selling: your figures are calculated on your device and never sent anywhere.

Loan details

%
%
years
Real-money view
%
%

Monthly payment

€1,455/ month
on a €256,000 loan · 3.6% over 30 yrs
Total interest
€267,660
Total paid
€523,660
Payoff
2055

Principal €256,000 Interest €267,660
Year 0Year 30

In today's money

A fixed loan is repaid in future euros worth less than today's. Most calculators hide this — here's the real picture, after inflation.

Real interest rate
1.1%
Interest in today's money
€112,000
Kept in the bank instead
€134,000

Inflation forecast

NowYear 30

Loan in a foreign currency

%
%
Effective local cost
6%
Your local loan
3.6%
If it drops 20%
+20%

Amortization schedule
YearPrincipalInterestPaidBalance

Estimates are for a fixed-rate, fully-amortizing loan with monthly compounding and cover principal & interest only — taxes, insurance and fees are not included. Figures are indicative, not financial advice. All calculations run locally in your browser; no numbers are sent anywhere.