TilgungsPilot
Mortgage Repayment Calculator
The repayment calculator builds your full amortization schedule and shows how an annual extra payment (Sondertilgung) shortens the term and cuts total interest — month by month.
Mortgage Repayment Calculator – calculate for free →Why extra repayments are so powerful
An extra repayment reduces the outstanding principal 100%. Because interest only accrues on the remaining balance, even a small yearly extra payment can cut years off the term and save a five-figure amount in interest.
- Higher initial repayment rate — debt-free sooner, higher monthly payment
- Annual extra payment — many lenders allow 5% per year free of charge
- Remaining balance — drives your follow-up financing after the fixed-rate period
Frequently asked questions
What does an extra repayment achieve?
Every euro of extra repayment saves interest over the remaining term. Regular extra payments can shorten a loan by several years.
What repayment rate should I choose?
At today's rates, 2%–3% is common. A higher rate clears the debt faster but raises your monthly payment accordingly.