Amortization with extra payments

See your loan progress month by month — and how much you save with annual extra repayments.

Monthly payment
€1,402
Actual payoff: 19.8 y · 5.3 y. saved
€
€50,000€1,500,000
%
0,5 %8 %
€

Most AT mortgages allow ~5 % per year without penalty

€0€20,000

Simplified calculation. Not financial, tax, or legal advice. · As of 04/2026

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How is this calculated?

Month-by-month amortization: interest on remaining balance, principal as the difference, extra payments deducted at year end.

Monat i:
  Zinsen_i      = Restschuld_{i-1} × (Zins / 12)
  Tilgung_i     = Monatsrate − Zinsen_i
  Restschuld_i  = Restschuld_{i-1} − Tilgung_i

Jahresende: Sondertilgung wird zusätzlich von der
Restschuld abgezogen — verkürzt Laufzeit + senkt Zinsen.

Most Austrian mortgages allow ~5 % per year extra repayment without prepayment penalty — confirm before signing.

Monthly payment
€1,402
Actual payoff 19.8 y

Beta · METROX is in public beta. All figures are non-binding estimates. Not investment advice. Methodology