Amortization calculator: plan remaining debt and loan-to-value in advance
The amortization calculator shows how a mortgage develops through regular repayments. This makes target values and time progression easier to understand.
Can be used without an account
Product preview
Payback
What you can do
Key features
Simulates direct or simplified indirect amortization.
Shows remaining debt and loan-to-value over the selected period.
Compares different annual repayment amounts.
How it works
Step by step
- 1
Enter initial situation
Specify the property value, mortgage and desired target loan-to-value ratio.
- 2
Choose amortization
Record the amount, frequency and planned duration.
- 3
Read history
Check when target values will be achieved and how much remaining debt remains.
What you need
Requirements
- Current or planned mortgage.
- Property value and desired period.
Practical guidance
Helpful tips
- Test a conservative property value if the purchase was a long time ago.
- In addition to the amortization, also take into account reserves for maintenance.
Deliberate limits
What this tool does not do
- Taxes and pension income with indirect amortization can only be roughly depicted.
- It does not take any later contract changes or extraordinary repayments into account.
- The bank's specifications may differ from the model.
Quick answers
Frequently asked questions
What is the difference between direct and indirect payback?+
With the direct variant, the mortgage decreases. With indirect funds, you usually pay into a tied pension plan and pay it back later.
Does every mortgage have to go to zero?+
No. Often the loan is only amortized up to a certain amount. The personal and contractual situation decides.