Privatlånekalkylator — Beräknar kostnaden för ett privatlån i Sverige. Typisk ränta: 5–20% beroende på kreditvärdighet och bank.
Privatlånekalkylator — Sverige
Nominell ränta
A loan/mortgage calculator computes monthly payments, total interest, and an amortization schedule for any installment loan. The formula distributes equal payments that cover both interest and principal, with interest-heavy payments early and principal-heavy payments later.
Tip: Making one extra mortgage payment per year (a 13th payment) can cut 4–6 years off a 30-year mortgage and save tens of thousands in interest.
- 1Monthly payment = P × r(1+r)^n / ((1+r)^n − 1)
- 2Early payments are mostly interest; late payments are mostly principal
- 3Amortization schedule shows the exact breakdown each month
- 4Total interest = (Monthly payment × n) − Principal
| Interest Rate | 15-year | 20-year | 30-year |
|---|---|---|---|
| 5% | $791 | $660 | $537 |
| 6% | $844 | $716 | $600 |
| 7% | $899 | $775 | $665 |
| 8% | $956 | $836 | $734 |
| 10% | $1,075 | $965 | $878 |
Fun Fact
The word "mortgage" comes from Old French meaning "death pledge" — you pledge until the debt "dies" (is paid off) or you default. The concept dates back to ancient Roman law.
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