Půjčka: Splátka a Náklady

How much will a loan really cost you? Enter the amount, repayment period and interest rate and you will see the monthly payment, interest costs and the total amount you will pay back. Then add the loans you are already repaying and find out when you will pay off the last one.

Everything is calculated directly on your phone: without internet, without registration and without a phone number.

WHAT WILL YOU CALCULATE

1. Loan payment. Amount, period and rate in, monthly payment out, interest and total amount. Suitable for consumer loans, car loans or any loan with the same payments.
2. What payment will you make. Based on your income and what you already pay monthly, you will see what payment will still fit into your budget.
3. Comparison of two loans. Two conditions side by side, assessed according to the total costs, not just the payment.
4. Early repayment. How many months will you shorten your repayments and how much will you save in interest if you pay a little extra every month.
5. Debt burden. How much of your income goes to repayments and how much is left.

REPAYMENT PLAN

Write down each loan you have now: debt balance, interest rate, and monthly payment. The app will create a plan:

• how long it will take you to be debt-free and how much interest you still have to pay
• what will change if you add an extra amount each month
• two repayment orders — highest interest first, or lowest balance first — and how much each one costs
• your loans as numbered steps with the time it will take to pay off each one

It will help when you are deciding which loan to pay off first, or when you want to check if it is worth combining several payments into one.

The entered data is only stored on your phone. It is not sent anywhere.

EXAMPLE

150,000 CZK for 48 months with an interest rate of 8.9 percent per year: installment of around 3,730 CZK, total of around 178,830 CZK. Same amount for 96 months: installment drops to around 2,190 CZK, but total of around 210,220 CZK. Longer term costs you around 31,390 CZK more.

Change any number and the result is immediately recalculated.

IN THE APP YOU WILL FIND MORE

• Price per unit: compare two packages and see which one pays off more
• Principal and interest graphs and repayment schedule with and without extraordinary repayments

WHO IS IT FOR

• You already know the terms of the loan and want to check the repayment and total amount yourself
• You are repaying several loans and are looking for a clear order to get rid of them
• ​​You are considering extraordinary repayments and want to see the savings
• You want to know how much of your income will already go to debts

WHAT THE APPLICATION DOES NOT DO

• It does not provide loans or send money to your account
• It does not accept applications or documents
• It does not display lists of banks or non-banking companies and does not connect you to any
• It does not look into debtor registers and does not change anything in them
• ​​It does not provide financial or legal advice

IMPORTANT INFORMATION

This application is a calculator. It is not a bank or a lender and is not affiliated with any lender, credit bureau or authority.

All results are estimates based on the data entered. Interest is calculated on the outstanding balance and the annual percentage rate is divided over twelve months. Fees, insurance and penalties are not included, so the APR in your contract will be higher. Always check your contract for the final price.

The application is free and without ads.