Extra Repayment Calculator
Calculate how much interest and time you save with extra repayments.
Current Loan
Extra Repayment
Understanding Extra Repayments
Sondertilgung is more than just a tool to pay off debt faster, read all the details in our dedicated article.
Original Loan Amount
Enter the amount you originally borrowed from the bank, not your current remaining debt. We calculate the current balance automatically based on the 'Years Elapsed'.
Time Passed
How long have you already been paying off this mortgage? We use this to calculate how much principal you have already paid off before the extra payment kicks in.
One-Time vs. Yearly Payment
Choose One-Time if you have a lump sum available today (e.g., a bonus). Choose Yearly to see the impact of consistently using your Sondertilgung option (e.g., €5,000 every year).
Interest Saved
This is the total amount of interest you will not pay to the bank. It represents your guaranteed, tax-free return on the extra payment.
Debt-Free Earlier
Since your monthly payment to the bank remains fixed, making an extra payment means you pay off the debt faster. This is the number of years/months cut from your original timeline.