Work out locally the remaining balance of your annuity loan after some years - with principal repaid and interest paid. No upload.
No. Everything runs in your browser - your file never leaves your device. How this is verifiable
How much of my mortgage is still owed after a few years? With an annuity loan and a constant monthly payment, the ratio of interest to principal shifts over time: at the start the interest share is high and the principal small, later it reverses. That is why the remaining balance falls only slowly in the early years. This calculator shows, for a freely chosen point in time, the outstanding balance, the principal already repaid and the interest paid up to then.
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. The calculator amortises the loan month by month: each payment first covers the interest on the remaining balance, the rest reduces the debt. That gives the exact remaining balance after the elapsed years and the split into principal repaid and interest paid. This is useful before a follow-up financing, an extra repayment or a sale. Change an input and everything updates instantly.
An honest note: the calculator assumes a classic annuity loan with a constant rate and payment over the whole term. Real contracts often have a shorter fixed-rate period with a new rate afterwards, possible extra repayments or an interest-only first year - all of which change the balance. What always counts is your bank's amortization schedule. Amounts in euros as an example - the maths applies to any currency. Not financing advice.
| Input formats | Form inputs (no file) |
|---|---|
| Processing | Locally in your browser (JavaScript) |
| File upload | None |
Limitations: A classic annuity loan with a constant rate and payment over the whole term. Real contracts with a shorter fixed-rate period, extra repayments or an interest-only first year will differ - what counts is your bank's schedule. Amounts in euros as an example - the maths applies to any currency. Not financing advice.
No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.
Because in an annuity loan the payment is mostly interest at first. Only as the debt shrinks does the interest share fall and the principal share grow - the balance then falls faster and faster. Worked example: with a 300,000 euro loan at 3.5 percent over 30 years (payment about 1,347 euros), roughly 232,300 euros are still owed after 10 years - only about 67,700 euros repaid, while around 93,900 euros of interest have already been paid.
The remaining balance is the capital still owed. The interest paid is the sum you have spent so far on top for the use of the capital - it does not reduce the debt.
Yes. The balance at the end of the fixed-rate period is exactly the amount you then have to refinance - often at a different rate. Set the elapsed years to the length of the fixed-rate period.