KreditRaten – Loan Calculator

New in version 3.0: a month-by-month amortization schedule, a chart splitting interest and principal, and two loans compared side by side.

Personal loan, car finance, or mortgage: KreditRaten works out the numbers in seconds — payment, total interest, and the effective annual rate at a glance.

SOLVE FOR ANY VALUE Payment, term, interest rate, or loan amount — enter three, and the app works out the fourth. So you can see not just how large your payment would be, but also how long you would pay at a given payment, or how much you could borrow for it.

AMORTIZATION SCHEDULE AND CHART The schedule shows year by year how the split between interest and principal shifts and how the remaining balance falls. The chart makes the same development visible at a glance.

COMPARE TWO LOANS Put two offers side by side and see the differences in payment, total interest, and overall cost highlighted in color — more expensive in orange, cheaper in green.

BUILT AROUND REAL LOANS • Account for a balloon payment or remaining balance at the end of the term • Term in years or months • Payments monthly, quarterly, semi-annually, or annually • Effective annual rate using the compound-interest method required under German consumer-credit law (PAngV)

FOR IPHONE AND IPAD On iPad with its own layout: inputs and results side by side, no switching back and forth. Plus nine color themes you can change at any time.

NO ACCOUNT NEEDED No sign-up, no account. The calculation happens entirely on your device.

WHAT IS AN ANNUITY LOAN? A loan repaid with a constant installment over the entire term. Each installment contains a share of interest and a share of principal. Because every payment reduces the balance, the interest share shrinks while the principal share grows — by the end of the term the loan is fully repaid. Most personal loans and mortgages are structured this way.

Please note: All results are non-binding estimates and do not constitute financial advice. Fees, commissions, and commitment interest are not included. For an actual loan, only your bank's own offer documents are authoritative.