Everyday
Early loan repayment calculator
Compare the remaining payments with a lump-sum repayment and the actual charge from your lender.
- For tax year 2026
- Updated 25 October 2026
- Takes about 2 minutes
Scenario estimate
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How it is calculated
The estimate assumes a fixed interest rate and keeps the same monthly payment after a partial repayment.
Early-repayment rights and any compensation depend on the agreement type and applicable rules. Enter the charge confirmed by your lender.
An indicative fixed payment is calculated from the balance, annual rate and remaining months. After the lump sum, the remaining schedule is simulated using the same payment.
Net benefit compares the original remaining payments with the lump sum, new interest and the charge entered. It does not value the liquidity you give up.
Sources
- Directive 2008/48/EC, Article 16 — early repayment of consumer creditΕυρωπαϊκή Ένωση / EUR-Lex
- Directive 2014/17/EU, Article 25 — mortgage creditΕυρωπαϊκή Ένωση / EUR-Lex
Frequently asked questions
Does it assume there is no penalty?
No. Enter the charge in your agreement or confirmed by your lender. Rules can differ by loan.
Is this a binding offer?
No. Ask your lender for an official repayment schedule and exact calculation of charges.
How is the benefit of early repayment calculated?
An indicative fixed instalment is derived from the balance, interest rate and remaining months. After the lump sum, the remaining schedule is simulated. The net benefit compares the interest you save with the lump-sum charge. The cost of lost liquidity is not counted.