Loan Calculator – Free & Precise
Professional loan calculator with day-accurate interest calculation and detailed repayment schedule
Calculate your loan with our free online credit calculator. Including ACT/365 method, repayment plan export, and compound interest calculation for businesses.
Calculate now for freeWhy our Loan Calculator?
Our credit calculator offers professional features for private individuals and businesses
Day-Accurate Interest
Precise calculation using the ACT/365 method (Actual/365) for exact interest results. Ideal for loans and credits of any kind.
Detailed Repayment Plan
Complete amortization calculator with export function. Download your complete repayment plan as an Excel file.
100% Data Privacy
All calculations are performed locally in your browser. Your loan data is not stored or transmitted.
Flexible Frequencies
Daily, weekly, monthly, or yearly – choose the repayment frequency that suits your credit.
Interest Capitalization
For business loans: Calculation with compound interest effect for realistic credit cost forecasts.
Grace Period
Calculate loans with interest-only grace periods. Optional interest-only payments during the grace period.
How the Loan Calculator Works
In three simple steps to your complete repayment plan
Enter Loan Data
Enter the loan amount, interest rate (interest p.a.), term, and repayment frequency. Choose whether you are a private individual or a company.
Calculate Credit
The credit calculator automatically determines your monthly rate, total interest, and creates a complete repayment plan with day-accurate ACT/365 interest.
Export Results
Download the detailed repayment plan as an Excel file or use the data for your financial planning. All calculations remain on your device.
Frequently Asked Questions about the Loan Calculator
What is a loan calculator?
A loan calculator (also called credit calculator) is an online tool for calculating credits and loans. It determines the monthly rate, total interest, and creates a detailed repayment plan based on your loan amount, interest rate, and term.
What does ACT/365 interest calculation mean?
ACT/365 (Actual/365) is a method for day-accurate interest calculation. "Actual" means that the actual days between two payments are counted, and "365" means that a year is assumed to have 365 days. This leads to more precise results than flat monthly interest.
What is the difference between private and business loans?
For private individuals, compound interest (interest capitalization) is not legally permitted. This means that interest may not be calculated on interest. For business loans, however, this is allowed, which is why our loan calculator only offers this option for businesses.
Can I export the repayment plan?
Yes! After the calculation, you can download the complete repayment plan as an Excel file (.xlsx). The file contains all details of each payment: date, interest, principal, remaining debt, and more.
Is my data saved?
No, absolutely not. All calculations are performed exclusively locally in your browser. Your entered loan data is not transmitted to servers or stored. The calculator even works offline once the page has loaded.
Which repayment frequencies are supported?
Our credit calculator supports daily, weekly, monthly, yearly, and one-time repayments at the end of the term. For monthly payments, you can choose between end of month or a specific day.
Ready to Calculate Your Loan?
Use our free loan calculator now and create your individual repayment plan in seconds.
Calculate now for freeLoan Calculator: Precise Credit Calculation for Your Financial Planning
A loan calculator is an indispensable tool for anyone who wants to take out a loan. With our professional loan calculator, you can quickly and easily calculate how much your credit will actually cost you. Whether personal loan, real estate financing, or business loan – our credit calculator provides you with all important key figures at a glance.
Day-Accurate Interest Calculation with ACT/365
Unlike simple credit calculators, our tool works with the precise ACT/365 method (Actual/365 Fixed). This means: Interest is calculated day-accurately, based on the actual days between two payments. This gives you the exact interest burden on your loan – without rounding errors or flat monthly values.
Detailed Repayment Plan and Excel Export
After calculating your loan, you receive a complete repayment plan that breaks down each individual rate. You can see exactly how much of each payment is used for interest and how much for actual principal repayment. The complete repayment plan can be exported as an Excel file – ideal for your records or for presentation to the bank.
For Private Individuals and Businesses
Our loan calculator takes into account the legal differences between private and business loans. For private individuals, compound interest is not legally permitted, so this option is only offered for business loans. Additionally, you can plan interest-only periods, choose different repayment frequencies, and even simulate interest capitalization for business loans.
100% Free and Privacy-Compliant
Use our credit calculator completely free of charge – without registration, without hidden fees. Since all calculations are performed locally in your browser, your loan data remains private and secure. No data transmission, no tracking, no storage on external servers.
Start calculating your loan now and gain clarity about your financial situation. Our loan calculator is the ideal tool for informed credit decisions.