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Rekenbox · 2026

Loan calculator: annuity or linear repayment

Monthly payments and a complete repayment schedule.
First monthly payment€483.32View calculation ↓
First monthly payment€483.32
Total interest€3,999.23
Total repayment€28,999.23

Repayment schedule

MonthPaymentInterestPrincipalBalance
1€483.32€125.00€358.32€24,641.68
2€483.32€123.21€360.11€24,281.57
3€483.32€121.41€361.91€23,919.66
4€483.32€119.60€363.72€23,555.94
5€483.32€117.78€365.54€23,190.40
6€483.32€115.95€367.37€22,823.03
7€483.32€114.12€369.20€22,453.83
8€483.32€112.27€371.05€22,082.78
9€483.32€110.41€372.91€21,709.87
10€483.32€108.55€374.77€21,335.10
11€483.32€106.68€376.64€20,958.46
12€483.32€104.79€378.53€20,579.93
13€483.32€102.90€380.42€20,199.51
14€483.32€101.00€382.32€19,817.19
15€483.32€99.09€384.23€19,432.96
16€483.32€97.16€386.16€19,046.80
17€483.32€95.23€388.09€18,658.71
18€483.32€93.29€390.03€18,268.68
19€483.32€91.34€391.98€17,876.70
20€483.32€89.38€393.94€17,482.76
21€483.32€87.41€395.91€17,086.85
22€483.32€85.43€397.89€16,688.96
23€483.32€83.44€399.88€16,289.08
24€483.32€81.45€401.87€15,887.21
25€483.32€79.44€403.88€15,483.33
Assumptions, sources and version

2026 · nl-2026.1 · v2026.1

  • Fixed nominal interest, payments at month end, without fees or extra repayments.

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    Understand your result

    How this tool works

    With annuity repayment at a fixed rate, payments remain nearly constant while interest decreases and principal repayment increases. With linear repayment, principal repayment is constant and total payments decline. This model uses month-end payments and excludes fees.

    Common questions

    Can I calculate a zero-interest loan?

    Yes. Set interest to 0%; the principal is divided across the entered number of months.

    Is this a loan offer?

    No. It is a calculation based on your assumptions. Arrangement fees, variable interest and extra repayments are outside this model.

    Which details do you need?
    • Principal
    • Annual interest (%)
    • Term in months
    • Repayment
    Limits of this tool
    • Fixed nominal interest, payments at month end, without fees or extra repayments.

    Year: 2026 · Version 2026.1

    Free tools and individual reports →Rekenbox help →

    Prepared by the Rekenbox product team at Winstwaker. The listed source references and calculation version make the method traceable. Report a content error Last updated: 2026-09-04. Rekenbox is a product by Winstwaker. The tool applies a calculation model to your inputs; a result or paid report is not a personal assessment by an adviser.