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Loan and Amortization Calculator
Calculate monthly payment, amortization schedule and total payable (French, German, American systems).
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⚠️ Reference rates: results are estimates. Consult a financial advisor for important decisions.
The loan calculator shows the monthly payment, total interest and total payable for any mortgage, personal or car loan. It supports the three main amortization systems: French (fixed payment, most common in Spain), German (constant principal repayment) and American (interest-only during term). Includes a complete month-by-month amortization table with breakdown of principal, interest and outstanding balance. Use it as many times as you need: it is completely free, requires no sign-up and works directly in your browser.
Frequently asked questions
¿Qué sistema de amortización es el más usado?
En España y gran parte de Europa el sistema francés (cuota fija) es el estándar para hipotecas y préstamos personales.
¿Cuál es la diferencia entre sistema francés y alemán?
Francés: cuota constante, más intereses al principio. Alemán: amortización de capital constante, cuota decreciente (empieza más alta).
¿El sistema americano amortiza capital?
No. Solo pagas intereses durante el plazo y devuelves el capital al final en una sola vez. Es raro en préstamos personales.
Which amortization system is most used?
In Spain and much of Europe the French system (fixed payment) is the standard for mortgages and personal loans.
What is the difference between French and German systems?
French: constant payment, more interest at start. German: constant principal repayment, decreasing payment (starts higher).
Does the American system amortize principal?
No. You only pay interest during the term and repay the principal at the end in a lump sum. Rare in personal loans.