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.
Enter the amount, the rate and the term. Compoundly builds the full repayment schedule — every payment, split into interest and principal — and shows the date the balance reaches zero.
For every €100 borrowed you repay about €120.
Drag to watch the mix shift. Early on most of the payment is interest; later almost all of it comes off the balance.
| Point | Principal repaid | Interest paid | Balance owed |
|---|---|---|---|
| Year 0 | €0 | €0 | €25k |
| Year 0 | €1.6k | €2.3k | €23k |
| Year 1 | €3.2k | €4.6k | €22k |
| Year 1 | €4.9k | €6.9k | €20k |
| Year 2 | €6.7k | €9.2k | €18k |
| Year 2 | €8.5k | €11k | €17k |
| Year 2 | €10k | €14k | €15k |
| Year 3 | €12k | €16k | €13k |
| Year 3 | €14k | €18k | €11k |
| Year 3 | €16k | €21k | €8.8k |
| Year 4 | €18k | €23k | €6.8k |
| Year 4 | €20k | €25k | €4.6k |
| Year 5 | €23k | €28k | €2.5k |
| Year 5 | €25k | €30k | €207 |
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.
Total interest on a loan cannot be read off a single formula once fees or overpayments are involved. Compoundly runs the loan payment by payment: interest is charged on the opening balance, fees are added, the payment is applied, and whatever remains becomes the next opening balance. The final payment is capped at the amount actually owed, so the loan never overpays itself.
Instalments are rounded up to whole cents, which is what lenders do so the term is not overshot. You can switch that off under the advanced settings to run the model at full precision instead.