Loan calculator - payment and interest
Calculate the monthly loan payment, total interest and total repayment with a full amortisation schedule. Annuity schedule with equal monthly payments.
Calculations are based on Estonia's tax rates in force for 2026. Results are informational.
Last updated: 2026-06-03
How is the payment calculated?
With an annuity loan the monthly payment is equal throughout the term. Each month consists of the interest part of the payment and a principal repayment - early on the interest share is larger, later it is smaller. The payment depends on the loan amount, annual rate and term.
Frequently asked questions
How is the monthly loan payment calculated?+
An annuity loan payment is equal throughout the term and depends on the loan amount, annual rate and term.
What is an annuity schedule?+
A schedule where the payment is always the same, but early on most of it is interest and later most is principal repayment.
How can I reduce interest costs?+
A shorter term or a larger down payment reduces the total interest paid.