Kreditrechner

Schätze monatliche Rate, Gesamtrückzahlung und Zinsen für einen Tilgungskredit.

Kein Konto erforderlich.

Eingaben

%

Ergebnisse

Geschätzte Monatsrate
101,28 €
Gesamtrückzahlung
30.384 €
Gesamtzinsen
15.384 €
Tilgungskapital
15.000 €
Anzahl der Raten
300
Balance at term end (est.)
13.584 €
  • Estimated payment uses a 25-year amortization schedule.
  • Illustrative balance after a 5-year mortgage term is shown below.

BudgetPilot-Rechner dienen ausschließlich Informations- und Bildungszwecken. Ergebnisse sind Schätzungen und können von Berechnungen des Kreditgebers abweichen — durch Gebühren, Versicherungen, Steuern, Zinsanpassungsregeln, Zinseszins-Konventionen, Tageszählmethoden und andere Vertragsbedingungen.

How loans work in Canada

Canadian mortgages distinguish the mortgage term (until renewal) from the amortization period (full payoff timeline). Variable products are commonly linked to a lender’s prime rate plus or minus an adjustment — not directly to the overnight policy rate. Payment estimates use amortization; balance at term end depends on the contract.

Formula used

For equal monthly payments, the calculator uses the standard amortizing-payment formula M = P × r × (1+r)^n / ((1+r)^n − 1), where r is the monthly interest rate (annual rate ÷ 12) and n is the number of payments. At 0% interest, payment equals principal divided by term. The entered rate is an annual interest rate for estimation — not necessarily APR/DAE.

Mortgage term vs amortization

In this market, the monthly payment is based on the amortization period. The mortgage term is the period until renewal; the estimated balance at term end is shown separately.

What this does not include

Fees, insurance, taxes, early repayment rules, promotional periods, and lender-specific compounding conventions are not modeled.

Learn more: How loan interest rates work

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