Quick guide
How to use this calculator
- Enter all amounts in one consistent currency.
- Use the rate and whole-period timing named by each visible label.
- Read the result together with its phase, fee, security, and contract exclusions.
Calculation method
Calculation method
Entered charge = balance × percentage + fixed charge + balance × nominal annual rate/12 × interest months; comparison = remaining scheduled interest − entered charge.
Entered monetary components use exact fixed-decimal arithmetic. Amortizing phases use the reviewed stable loan schedule and round only for presentation.
Worked example
Worked example
A 4,000 entered early-repayment charge compared with 6,500 of remaining scheduled interest leaves a 2,500 difference before excluded payoff and opportunity-cost effects.
Entered charge = balance × percentage + fixed charge + balance × nominal annual rate/12 × interest months; comparison = remaining scheduled interest − entered charge.
Supported inputs
Precision and limits
Visible input limits
Amounts are capped at 1e12, rates at 1000%, phases at 1,200 months, and fixed decimals at 12 places.
Estimate, not advice
The tools model only entered cash flows and contract components. They do not assess approval, legal enforceability, property value, future variable rates, or refinancing availability.
International scope
No currency, country, lender threshold, secured-credit law, tax treatment, fee rule, or consumer protection is assumed.
Calculator-specific assumptions
This route is a general-loan comparison, unlike the mortgage-specific component total. Contracts and law differ. Enter only components that apply together; the result does not determine whether a charge is permitted or whether early repayment is beneficial.