Illustrative estimates based on the numbers entered. Actual investment returns, lender calculations, fees and repayment schedules may differ. Not investment, lending, credit, tax or debt advice.
Add a recurring overpayment, a one-off lump sum, or both. Compoundly runs the loan twice — with and without — and shows the difference in months and in money.
For every €100 borrowed you repay about €116.
Both figures come from the same model with and without your extra payments. A lender may apply overpayments on a different date or charge an early-repayment fee.
Drag to watch the mix shift. Early on most of the payment is interest; later almost all of it comes off the balance.
| Point | Contract payments only | With your extra payments |
|---|---|---|
| Year 0 | €25k | €25k |
| Year 0 | €23k | €23k |
| Year 1 | €22k | €21k |
| Year 1 | €20k | €19k |
| Year 2 | €18k | €16k |
| Year 2 | €17k | €14k |
| Year 2 | €15k | €12k |
| Year 3 | €13k | €9.3k |
| Year 3 | €11k | €6.7k |
| Year 3 | €8.8k | €4.1k |
| Year 4 | €6.8k | €1.5k |
| Year 4 | €4.6k | €0 |
| Year 5 | €2.5k | €0 |
| Year 5 | €207 | €0 |
Results are illustrative estimates based on the numbers you enter. Actual investment returns, lender calculations, fees and repayment schedules may differ. Compoundly is not investment, lending, tax or debt advice.
An overpayment goes entirely against the principal, because the interest for that period has already been charged. Removing principal removes every future interest charge that principal would have attracted, which is why a modest regular overpayment can take years off a long loan.
Both figures come from the same simulation run twice, so they are internally consistent. In practice a lender may apply overpayments on a different date, recalculate the instalment rather than shorten the term, or charge an early-repayment fee — check your own agreement before relying on the numbers.