When will this debt be repaid?

Example

Use the nominal debit interest rate from your contract, not the effective APR. This fixed-rate example excludes fees, new borrowing and early-repayment charges.As of 29 October 2026 · Reader-selected loan terms

Your loan

The figures from your loan contract.

Current debt balanceRequired€What you still owe, from your latest statement.Annual nominal debit interestRequired%The Sollzins in your contract, not the effective annual rate: that one includes fees.Contractual monthly paymentRequired€The instalment the contract fixes.Additional monthly repaymentOptional€What you could pay on top each month. Leave it empty if nothing.

Required fields are marked. Review the optional settings, then calculate.

Reset

Started from an example. You can change every value.

Next step

The Full Simulator models saving and investing, not a loan, so the repayment stays here. Once the debt is repaid, the instalment can become a monthly saving.

Where this comes from

As of: 29 October 2026
Written by: Christoph Dirnbauer
Next review: 15 January 2027

Checked against

Consumer advice on loans and debt
§ 500 BGB: repaying a consumer loan early

How this is calculated, and what is left out →

Educational estimates only – not investment, legal or tax advice.

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Calculation version 2026.11.1

Sources, scope and review dates →