Loan calculator 10000-1825-6.09-0-0-0-0-0-0-0
Calculate your cash loan repayments 10000-1825-6.09-0-0-0-0-0-0-0
Use this calculator to quickly and accurately estimate key financial metrics such as monthly payments, loan overpayment, and effective interest rate. Simply enter your loan details—amount, term, interest rate, fees—and get instant results tailored to your specific calculation type.
An initial fee
0,00
Credit amount
10 000,00
One-time commission expenses
0,00
Other commission expenses (monthly and annual) for the whole period
0,00
Calculate monthly payment and overpayment
Classic
Annuity
Monthly payment
from 213,99 to 164,75
191,03
Interest expenses on the loan
1 573,25
1 652,76
Loan overpayment
1 573,25
1 652,76
Effective rate
6,09 %
6,40 %
Classic loan repayment schedule
Month
Loan debt
% + monthly commissions
Main debt
Amount of payment
1
Loan debt
9 836,07
% + monthly commissions
50,05
Main debt
163,93
Amount of payment
213,99
2
Loan debt
9 672,13
% + monthly commissions
49,23
Main debt
163,93
Amount of payment
213,17
3
Loan debt
9 508,20
% + monthly commissions
48,41
Main debt
163,93
Amount of payment
212,35
4
Loan debt
9 344,26
% + monthly commissions
47,59
Main debt
163,93
Amount of payment
211,53
5
Loan debt
9 180,33
% + monthly commissions
46,77
Main debt
163,93
Amount of payment
210,71
6
Loan debt
9 016,39
% + monthly commissions
45,95
Main debt
163,93
Amount of payment
209,89
7
Loan debt
8 852,46
% + monthly commissions
45,13
Main debt
163,93
Amount of payment
209,07
8
Loan debt
8 688,52
% + monthly commissions
44,31
Main debt
163,93
Amount of payment
208,25
9
Loan debt
8 524,59
% + monthly commissions
43,49
Main debt
163,93
Amount of payment
207,42
10
Loan debt
8 360,66
% + monthly commissions
42,67
Main debt
163,93
Amount of payment
206,60
11
Loan debt
8 196,72
% + monthly commissions
41,85
Main debt
163,93
Amount of payment
205,78
12
Loan debt
8 032,79
% + monthly commissions
41,03
Main debt
163,93
Amount of payment
204,96
13
Loan debt
7 868,85
% + monthly commissions
40,21
Main debt
163,93
Amount of payment
204,14
14
Loan debt
7 704,92
% + monthly commissions
39,39
Main debt
163,93
Amount of payment
203,32
15
Loan debt
7 540,98
% + monthly commissions
38,57
Main debt
163,93
Amount of payment
202,50
16
Loan debt
7 377,05
% + monthly commissions
37,75
Main debt
163,93
Amount of payment
201,68
17
Loan debt
7 213,11
% + monthly commissions
36,93
Main debt
163,93
Amount of payment
200,86
18
Loan debt
7 049,18
% + monthly commissions
36,11
Main debt
163,93
Amount of payment
200,04
19
Loan debt
6 885,25
% + monthly commissions
35,28
Main debt
163,93
Amount of payment
199,22
20
Loan debt
6 721,31
% + monthly commissions
34,46
Main debt
163,93
Amount of payment
198,40
21
Loan debt
6 557,38
% + monthly commissions
33,64
Main debt
163,93
Amount of payment
197,58
22
Loan debt
6 393,44
% + monthly commissions
32,82
Main debt
163,93
Amount of payment
196,76
23
Loan debt
6 229,51
% + monthly commissions
32,00
Main debt
163,93
Amount of payment
195,94
24
Loan debt
6 065,57
% + monthly commissions
31,18
Main debt
163,93
Amount of payment
195,12
25
Loan debt
5 901,64
% + monthly commissions
30,36
Main debt
163,93
Amount of payment
194,30
26
Loan debt
5 737,70
% + monthly commissions
29,54
Main debt
163,93
Amount of payment
193,47
27
Loan debt
5 573,77
% + monthly commissions
28,72
Main debt
163,93
Amount of payment
192,65
28
Loan debt
5 409,84
% + monthly commissions
27,90
Main debt
163,93
Amount of payment
191,83
29
Loan debt
5 245,90
% + monthly commissions
27,08
Main debt
163,93
Amount of payment
191,01
30
Loan debt
5 081,97
% + monthly commissions
26,26
Main debt
163,93
Amount of payment
190,19
31
Loan debt
4 918,03
% + monthly commissions
25,44
Main debt
163,93
Amount of payment
189,37
32
Loan debt
4 754,10
% + monthly commissions
24,62
Main debt
163,93
Amount of payment
188,55
33
Loan debt
4 590,16
% + monthly commissions
23,80
Main debt
163,93
Amount of payment
187,73
34
Loan debt
4 426,23
% + monthly commissions
22,98
Main debt
163,93
Amount of payment
186,91
35
Loan debt
4 262,30
% + monthly commissions
22,16
Main debt
163,93
Amount of payment
186,09
36
Loan debt
4 098,36
% + monthly commissions
21,33
Main debt
163,93
Amount of payment
185,27
37
Loan debt
3 934,43
% + monthly commissions
20,51
Main debt
163,93
Amount of payment
184,45
38
Loan debt
3 770,49
% + monthly commissions
19,69
Main debt
163,93
Amount of payment
183,63
39
Loan debt
3 606,56
% + monthly commissions
18,87
Main debt
163,93
Amount of payment
182,81
40
Loan debt
3 442,62
% + monthly commissions
18,05
Main debt
163,93
Amount of payment
181,99
41
Loan debt
3 278,69
% + monthly commissions
17,23
Main debt
163,93
Amount of payment
181,17
42
Loan debt
3 114,75
% + monthly commissions
16,41
Main debt
163,93
Amount of payment
180,35
43
Loan debt
2 950,82
% + monthly commissions
15,59
Main debt
163,93
Amount of payment
179,53
44
Loan debt
2 786,89
% + monthly commissions
14,77
Main debt
163,93
Amount of payment
178,70
45
Loan debt
2 622,95
% + monthly commissions
13,95
Main debt
163,93
Amount of payment
177,88
46
Loan debt
2 459,02
% + monthly commissions
13,13
Main debt
163,93
Amount of payment
177,06
47
Loan debt
2 295,08
% + monthly commissions
12,31
Main debt
163,93
Amount of payment
176,24
48
Loan debt
2 131,15
% + monthly commissions
11,49
Main debt
163,93
Amount of payment
175,42
49
Loan debt
1 967,21
% + monthly commissions
10,67
Main debt
163,93
Amount of payment
174,60
50
Loan debt
1 803,28
% + monthly commissions
9,85
Main debt
163,93
Amount of payment
173,78
51
Loan debt
1 639,34
% + monthly commissions
9,03
Main debt
163,93
Amount of payment
172,96
52
Loan debt
1 475,41
% + monthly commissions
8,21
Main debt
163,93
Amount of payment
172,14
53
Loan debt
1 311,48
% + monthly commissions
7,39
Main debt
163,93
Amount of payment
171,32
54
Loan debt
1 147,54
% + monthly commissions
6,56
Main debt
163,93
Amount of payment
170,50
55
Loan debt
983,61
% + monthly commissions
5,74
Main debt
163,93
Amount of payment
169,68
56
Loan debt
819,67
% + monthly commissions
4,92
Main debt
163,93
Amount of payment
168,86
57
Loan debt
655,74
% + monthly commissions
4,10
Main debt
163,93
Amount of payment
168,04
58
Loan debt
491,80
% + monthly commissions
3,28
Main debt
163,93
Amount of payment
167,22
59
Loan debt
327,87
% + monthly commissions
2,46
Main debt
163,93
Amount of payment
166,40
60
Loan debt
163,93
% + monthly commissions
1,64
Main debt
163,93
Amount of payment
165,58
61
Loan debt
0,00
% + monthly commissions
0,82
Main debt
163,93
Amount of payment
164,75
Comment on the Calculation
This calculator takes into account all key loan parameters to provide accurate monthly payment estimates and total overpayment amounts.
Loan Parameters
The loan includes an initial payment of 0,00, which reduces the principal amount. The total loan amount is 10 000,00. One-time commission fees are 0,00, and monthly and annual commission expenses also amount to 0,00. The nominal interest rate is 6,09% per annum, and the loan duration is 61 months.
Repayment Schemes and Monthly Payments
The classic repayment scheme starts with a maximum monthly payment of 213,99, which gradually decreases to a minimum monthly payment of 164,75 by the end of the loan term.
The annuity repayment scheme has fixed monthly payments of 191,03, which simplifies budgeting over the loan period.
Interest and Overpayment
Total interest expenses under the classic scheme amount to 1 573,25 (in currency), while under the annuity scheme, they amount to 1 652,76.
Total overpayment (amount paid in addition to the borrowed principal) is 1 573,25 for the classic scheme and 1 652,76 for the annuity scheme.
Effective Rate
The effective interest rate (APR), including commissions and fees, is 6,09% for the classic scheme and 6,40% for the annuity scheme.
Below is a detailed repayment schedule breaking down monthly principal balance, interest and fees, principal repayment, and total monthly payment.
Use this information to plan your finances wisely and choose the repayment plan that best fits your needs.
Recommendations Based on Your Loan Calculation
- Your overpayment is moderate, which indicates reasonable loan terms.
- The classic repayment scheme starts with a higher monthly payment (213,99) and gradually decreases to 164,75. If your budget allows, this can save you interest over time.
- Always review the detailed repayment schedule to understand how your principal and interest payments change month by month.
- If possible, make additional payments toward the principal to reduce total interest and shorten the loan term.
Video Guide
