DocomintKreditrechner
Berechne die monatliche Rate, die Gesamtzinsen und die Gesamtkosten eines Kredits aus seiner Laufzeit in Jahren.
What is a Kreditrechner?
The same amortization math as EMI Calculator, framed around how a personal or auto loan is usually quoted — a term in years rather than months — with the total-paid and total-interest breakdown as the headline result, useful for comparing two loan offers with different rates and terms side by side.
How to use the Kreditrechner
- Enter the loan amount, annual interest rate, and term in years
- Press Calculate
- The monthly payment, total paid, and total interest appear instantly, computed on your device
Formula
Payment = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), r = annual rate ÷ 12 ÷ 100, n = years × 12
The same amortization formula as EMI Calculator, just framed around a term in years, the way personal and auto loans are usually quoted.
Example
A $20,000 auto loan at 6.5% over 5 years costs $391.31/month, $23,478.60 total, of which $3,478.60 is interest — compare that against a 3-year term at the same rate to see the trade-off between a lower monthly payment and less total interest paid.
Common mistakes
- Comparing two loan offers by monthly payment alone without also checking total interest paid over the full term.
- Assuming a longer term is automatically the better deal because the payment is lower — total interest paid rises with a longer term at the same rate.
- Entering the interest rate as a decimal (0.065) instead of a percentage (6.5) — that understates the payment dramatically.
Frequently asked questions
How does loan term affect total interest paid?
A longer term lowers the monthly payment but increases total interest paid, since the balance stays outstanding (and accruing interest) for longer. A shorter term raises the monthly payment but reduces total interest — try the same loan amount and rate at different term lengths to compare.
What formula is the monthly payment based on?
The standard amortization formula: EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where P is the principal, r is the monthly interest rate, and n is the number of monthly payments — the same formula banks use for loan quotes.
What's the difference between this and the EMI Calculator?
Same underlying formula — this one takes the term in years (how personal and auto loans are usually quoted), while EMI Calculator takes months, which is more common for shorter-term installment loans. Use whichever matches how your loan offer states its term.
Does this include fees, insurance, or taxes?
No — this calculates principal and interest only. Origination fees, credit insurance, or sales tax on a financed purchase would add to the real total cost beyond what's shown here.
Is my numbers uploaded anywhere?
No — Kreditrechner runs entirely in your browser using JavaScript/WebAssembly. Your numbers is never sent to a server.