Which loan suits
you better?
Compare what you pay each month, what you pay overall and what’s left for everything else.
Try two offers, decreasing instead of equal payments, or an extra repayment, all with the same income, living costs and planned renovation.
Try the comparisonsThe examples are fictional and use two net salaries, €3,700 a month in total.
What do you want to check?
Pick an example, see the difference
and explore what happens over time.
Lower rate. Upfront costs.
Same amount, same term. Offer A has a 3% rate and €800 in related upfront costs. Offer B has 3.4%, and in this fictional example the bank covers those costs.
Offer A
3% fixed · equal payments
Related upfront costs: €800
Offer B
3.4% fixed · equal payments
Related upfront costs: €0
€42.13 less each month
That’s how much lower the payment is with offer A. The total cost must still include the €800 up front.
But the €800 leaves your account straight away. At the lowest point, you have €10,154.74 left with offer A and €10,828.35 with offer B.
Compare over time
Money in your account
Opening balance and month ends · first two years
You want to keep at least €5,000.00
Monthly view. Dips within a month show in the “After every payment” view.
Lowest daily balance in the first two years
Money in your account
After every payment and cost · first two years
You want to keep at least €5,000.00
Lowest daily balance in the first two years
Monthly loan payments
Regular monthly payments · whole loan term
Total paid for the loan
Repayments and related costs · whole loan term
Terms used in this comparison
Offer A
- Loan amount
- €200,000
- Term
- 25 years
- Fixed rate
- 3.00%
- Repayment method
- Equal payments
- Related upfront costs
- €800
Offer B
- Loan amount
- €200,000
- Term
- 25 years
- Fixed rate
- 3.40%
- Repayment method
- Equal payments
- Related upfront costs
- €0
Show all figures in a table
| Result | Offer A | Offer B |
|---|---|---|
| First monthly payment | €948.42 | €990.55 |
| Last monthly payment | €949.60 | €991.98 |
| Total interestwhole loan | €84,527.18 | €97,166.43 |
| Related costs in the example | €800.00 | €0.00 |
| Total paidamount borrowed, interest and related costs | €285,327.18 | €297,166.43 |
| Lowest pointfirst 2 years | €10,154.742 Feb 2027 | €10,828.352 Feb 2027 |
Equal payments, or payments that fall?
Same €200,000 loan, same 3% rate, same 25-year term. Only the repayment method changes. With decreasing payments, you repay the same amount of principal each month, and the interest falls as the debt shrinks.
Equal payments
The same payment every month
Last payment: €949.60
Decreasing payments
Payments fall over time
Last payment: €667.33
€218.25 more at the start
That’s how much more the first decreasing payment is than an equal one. In return, you pay less interest over the whole term.
Higher early payments leave less for the renovation and day-to-day life. The lowest point in the first two years is €10,304.99 with decreasing payments and €10,954.74 with equal payments.
Compare over time
Money in your account
Opening balance and month ends · first two years
You want to keep at least €5,000.00
Monthly view. Dips within a month show in the “After every payment” view.
Lowest daily balance in the first two years
Money in your account
After every payment and cost · first two years
You want to keep at least €5,000.00
Lowest daily balance in the first two years
Monthly loan payments
Regular monthly payments · whole loan term
Total paid for the loan
Repayments and related costs · whole loan term
Terms used in this comparison
Equal payments
- Loan amount
- €200,000
- Term
- 25 years
- Fixed rate
- 3.00%
- Repayment method
- Equal payments
- Related upfront costs
- €0
Decreasing payments
- Loan amount
- €200,000
- Term
- 25 years
- Fixed rate
- 3.00%
- Repayment method
- Equal principal
- Related upfront costs
- €0
Show all figures in a table
| Result | Equal payments | Decreasing payments |
|---|---|---|
| First monthly payment | €948.42 | €1,166.67 |
| Last monthly payment | €949.60 | €667.33 |
| Total interestwhole loan | €84,527.18 | €75,249.67 |
| Related costs in the example | €0.00 | €0.00 |
| Total paidamount borrowed, interest and related costs | €284,527.18 | €275,249.67 |
| Lowest pointfirst 2 years | €10,954.742 Feb 2027 | €10,304.992 Feb 2027 |
Repay €5,000 early, or keep the cash?
You pay an extra €5,000 on 1 February 2027. In this example the term stays the same and future payments fall. The other option keeps the same money in your account, with no assumed return.
Keep the cash
No extra payment
The money stays in your account
Repay €5,000
Extra payment: €5,000
The term stays the same
€23.87 lower monthly payment
That’s the monthly difference after the extra repayment. But you now have €5,000 less for other spending.
After the extra repayment, the lowest point is €5,954.74. That’s €954.74 above the €5,000 reserve chosen for this example.
Compare over time
Money in your account
Opening balance and month ends · first two years
You want to keep at least €5,000.00
Monthly view. Dips within a month show in the “After every payment” view.
Lowest daily balance in the first two years
Money in your account
After every payment and cost · first two years
You want to keep at least €5,000.00
Lowest daily balance in the first two years
Monthly loan payments
Regular monthly payments · whole loan term
Total paid for the loan
Repayments and related costs · whole loan term
Terms used in this comparison
Keep the cash
- Loan amount
- €200,000
- Term
- 25 years
- Fixed rate
- 3.00%
- Repayment method
- Equal payments
- Related upfront costs
- €0
Repay €5,000
- Loan amount
- €200,000
- Term
- 25 years
- Fixed rate
- 3.00%
- Repayment method
- Equal payments
- Related upfront costs
- €0
- Extra repayment1 Feb 2027
- €5,000
Show all figures in a table
| Result | Keep the cash | Repay €5,000 |
|---|---|---|
| First monthly payment | €948.42 | €948.42 |
| Monthly payment after the extra repayment | €948.42 | €924.55 |
| Last monthly payment | €949.60 | €925.04 |
| Total interestwhole loan | €84,527.18 | €82,437.10 |
| Related costs in the example | €0.00 | €0.00 |
| Total paidamount borrowed, interest and related costs | €284,527.18 | €282,437.10 |
| Money in your account after 1 Feb 2027 | €12,654.74 | €7,654.74 |
| Lowest pointfirst 2 years | €10,954.742 Feb 2027 | €5,954.742 Feb 2027 |
The example has no fee for repaying early. For your own loan, enter the terms your bank gave you.
What else is in the example?
For the purchase: a €200,000 loan is paid to the seller on 1 November 2026, so that money isn’t available for the renovation. The savings shown are what’s left after your down payment and the other purchase costs; the €800 compared here hasn’t been taken off yet. The €650 existing loan from the other example isn’t added here. The first regular loan payment is on 1 December 2026.
For the renovation and living: after the purchase, you still have €28,000 available. The two net salaries are €1,800 and €1,900, €3,700 in total (paid on the 10th). Living costs are €1,700 a month (on the 2nd), not counting the new loan, and car insurance and registration add €500 every November. The renovation is paid in instalments of €6,000 on 15 November, December and January, €18,000 in total. You want to keep at least €5,000.
Period: interest and total cost cover the whole loan term. The lowest balance covers 1 Nov 2026 – 31 Oct 2028, after all of each day’s payments and costs.
Simplifications: the nominal rate stays fixed, with interest calculated monthly. There’s no interim interest and no extra loan insurance. Only the costs named are included. The €800 up front in offer A stands for a fictional set of related costs, such as a valuation and a notary, not a bank arrangement fee. These are not offers from real banks.
Do the same
with your own offers.
You enter the terms by hand. No bank connection and no loan application.
Enter the terms.
Amount, rate, term, when repayment starts and the costs in the offer. Add the money you have, your income and your commitments.
Try another option.
Add a second offer or change the repayment method. You can also test an extra payment on a date you choose.
Choose what stays in your plan.
Compare the cost and the money left over. You review a change before applying it, and it doesn’t change your contract with the bank.
Already repaying a loan?
Check a new offer.
A refinancing comparison is coming soon. It will set keeping your old loan against switching to a new one, including the amount needed to close the old loan, the new terms and the switching costs.
You’ll see what changes in future payments, in the total cost still ahead and in the money you have left. What you’ve already paid stays in your history.
A lower monthly payment over a longer term doesn’t, on its own, mean you’ll pay less overall.
Remaining payments and costs
New loan + switching costs
It compares only what’s still to pay.
Check it with
your own numbers.
Make a free plan for your purchase or renovation, and fit the loan around the costs that come once the work starts.
Start a free plan24 hours without an account. Registering gives you a 7-day trial with full access, no card needed. To continue after that, request a package: payments aren’t open yet, and during testing an administrator grants it.
What if I don’t have all the terms yet?
Start with what you know. Add a fee, insurance or the exact date when you have them. Incomplete terms stay marked and limit how complete the comparison is.
Can I test a rate rise?
Yes. With a variable rate, you can model higher or lower future payments. It’s a planning assumption, not an interest rate forecast.
What should I check with the bank?
The first payment date, how interest is calculated, required insurance, related costs and the terms for extra repayments. The tool shows the consequences of the terms you enter; it doesn’t arrange a loan or make a payment.