Kredit- und Hypothekenrechner
Monatliche Rate, Gesamtzinsen und Tilgungsplan schätzen.
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Kreditbetrag, Jahreszins und Laufzeit eingeben. Wir berechnen die monatliche Rate per Annuitätenformel und zeigen die Aufteilung in Tilgung und Zinsen je Monat.
Monatliche Rate
$1,580.17
Gesamtzinsen
$318,861.22
Gesamtbetrag
$568,861.22
Tilgungsplan (360 Monate)
| # | Zinsen | Tilgung | Restschuld |
|---|---|---|---|
| 1 | $1,354.17 | $226.00 | $249,774.00 |
| 2 | $1,352.94 | $227.23 | $249,546.77 |
| 3 | $1,351.71 | $228.46 | $249,318.31 |
| 4 | $1,350.47 | $229.70 | $249,088.61 |
| 5 | $1,349.23 | $230.94 | $248,857.67 |
| 6 | $1,347.98 | $232.19 | $248,625.48 |
| 7 | $1,346.72 | $233.45 | $248,392.04 |
| 8 | $1,345.46 | $234.71 | $248,157.32 |
| 9 | $1,344.19 | $235.98 | $247,921.34 |
| 10 | $1,342.91 | $237.26 | $247,684.07 |
| 11 | $1,341.62 | $238.55 | $247,445.53 |
| 12 | $1,340.33 | $239.84 | $247,205.69 |
| 13 | $1,339.03 | $241.14 | $246,964.55 |
| 14 | $1,337.72 | $242.45 | $246,722.10 |
| 15 | $1,336.41 | $243.76 | $246,478.34 |
| 16 | $1,335.09 | $245.08 | $246,233.26 |
| 17 | $1,333.76 | $246.41 | $245,986.86 |
| 18 | $1,332.43 | $247.74 | $245,739.12 |
| 19 | $1,331.09 | $249.08 | $245,490.03 |
| 20 | $1,329.74 | $250.43 | $245,239.60 |
| 21 | $1,328.38 | $251.79 | $244,987.81 |
| 22 | $1,327.02 | $253.15 | $244,734.66 |
| 23 | $1,325.65 | $254.52 | $244,480.13 |
| 24 | $1,324.27 | $255.90 | $244,224.23 |
| 25 | $1,322.88 | $257.29 | $243,966.94 |
| 26 | $1,321.49 | $258.68 | $243,708.26 |
| 27 | $1,320.09 | $260.08 | $243,448.18 |
| 28 | $1,318.68 | $261.49 | $243,186.68 |
| 29 | $1,317.26 | $262.91 | $242,923.78 |
| 30 | $1,315.84 | $264.33 | $242,659.44 |
| 31 | $1,314.41 | $265.76 | $242,393.68 |
| 32 | $1,312.97 | $267.20 | $242,126.47 |
| 33 | $1,311.52 | $268.65 | $241,857.82 |
| 34 | $1,310.06 | $270.11 | $241,587.72 |
| 35 | $1,308.60 | $271.57 | $241,316.15 |
| 36 | $1,307.13 | $273.04 | $241,043.10 |
| 37 | $1,305.65 | $274.52 | $240,768.58 |
| 38 | $1,304.16 | $276.01 | $240,492.58 |
| 39 | $1,302.67 | $277.50 | $240,215.08 |
| 40 | $1,301.16 | $279.01 | $239,936.07 |
| 41 | $1,299.65 | $280.52 | $239,655.55 |
| 42 | $1,298.13 | $282.04 | $239,373.52 |
| 43 | $1,296.61 | $283.56 | $239,089.96 |
| 44 | $1,295.07 | $285.10 | $238,804.86 |
| 45 | $1,293.53 | $286.64 | $238,518.21 |
| 46 | $1,291.97 | $288.20 | $238,230.02 |
| 47 | $1,290.41 | $289.76 | $237,940.26 |
| 48 | $1,288.84 | $291.33 | $237,648.93 |
| 49 | $1,287.27 | $292.91 | $237,356.03 |
| 50 | $1,285.68 | $294.49 | $237,061.53 |
| 51 | $1,284.08 | $296.09 | $236,765.45 |
| 52 | $1,282.48 | $297.69 | $236,467.76 |
| 53 | $1,280.87 | $299.30 | $236,168.45 |
| 54 | $1,279.25 | $300.92 | $235,867.53 |
| 55 | $1,277.62 | $302.55 | $235,564.98 |
| 56 | $1,275.98 | $304.19 | $235,260.78 |
| 57 | $1,274.33 | $305.84 | $234,954.94 |
| 58 | $1,272.67 | $307.50 | $234,647.44 |
| 59 | $1,271.01 | $309.16 | $234,338.28 |
| 60 | $1,269.33 | $310.84 | $234,027.44 |
| 61 | $1,267.65 | $312.52 | $233,714.92 |
| 62 | $1,265.96 | $314.21 | $233,400.71 |
| 63 | $1,264.25 | $315.92 | $233,084.79 |
| 64 | $1,262.54 | $317.63 | $232,767.16 |
| 65 | $1,260.82 | $319.35 | $232,447.82 |
| 66 | $1,259.09 | $321.08 | $232,126.74 |
| 67 | $1,257.35 | $322.82 | $231,803.92 |
| 68 | $1,255.60 | $324.57 | $231,479.36 |
| 69 | $1,253.85 | $326.32 | $231,153.03 |
| 70 | $1,252.08 | $328.09 | $230,824.94 |
| 71 | $1,250.30 | $329.87 | $230,495.07 |
| 72 | $1,248.51 | $331.66 | $230,163.42 |
| 73 | $1,246.72 | $333.45 | $229,829.97 |
| 74 | $1,244.91 | $335.26 | $229,494.71 |
| 75 | $1,243.10 | $337.07 | $229,157.64 |
| 76 | $1,241.27 | $338.90 | $228,818.74 |
| 77 | $1,239.43 | $340.74 | $228,478.00 |
| 78 | $1,237.59 | $342.58 | $228,135.42 |
| 79 | $1,235.73 | $344.44 | $227,790.98 |
| 80 | $1,233.87 | $346.30 | $227,444.68 |
| 81 | $1,231.99 | $348.18 | $227,096.50 |
| 82 | $1,230.11 | $350.06 | $226,746.44 |
| 83 | $1,228.21 | $351.96 | $226,394.48 |
| 84 | $1,226.30 | $353.87 | $226,040.61 |
| 85 | $1,224.39 | $355.78 | $225,684.83 |
| 86 | $1,222.46 | $357.71 | $225,327.12 |
| 87 | $1,220.52 | $359.65 | $224,967.47 |
| 88 | $1,218.57 | $361.60 | $224,605.87 |
| 89 | $1,216.62 | $363.55 | $224,242.32 |
| 90 | $1,214.65 | $365.52 | $223,876.79 |
| 91 | $1,212.67 | $367.50 | $223,509.29 |
| 92 | $1,210.68 | $369.49 | $223,139.80 |
| 93 | $1,208.67 | $371.50 | $222,768.30 |
| 94 | $1,206.66 | $373.51 | $222,394.79 |
| 95 | $1,204.64 | $375.53 | $222,019.26 |
| 96 | $1,202.60 | $377.57 | $221,641.69 |
| 97 | $1,200.56 | $379.61 | $221,262.08 |
| 98 | $1,198.50 | $381.67 | $220,880.42 |
| 99 | $1,196.44 | $383.73 | $220,496.68 |
| 100 | $1,194.36 | $385.81 | $220,110.87 |
| 101 | $1,192.27 | $387.90 | $219,722.97 |
| 102 | $1,190.17 | $390.00 | $219,332.96 |
| 103 | $1,188.05 | $392.12 | $218,940.84 |
| 104 | $1,185.93 | $394.24 | $218,546.60 |
| 105 | $1,183.79 | $396.38 | $218,150.23 |
| 106 | $1,181.65 | $398.52 | $217,751.71 |
| 107 | $1,179.49 | $400.68 | $217,351.02 |
| 108 | $1,177.32 | $402.85 | $216,948.17 |
| 109 | $1,175.14 | $405.03 | $216,543.14 |
| 110 | $1,172.94 | $407.23 | $216,135.91 |
| 111 | $1,170.74 | $409.43 | $215,726.48 |
| 112 | $1,168.52 | $411.65 | $215,314.82 |
| 113 | $1,166.29 | $413.88 | $214,900.94 |
| 114 | $1,164.05 | $416.12 | $214,484.82 |
| 115 | $1,161.79 | $418.38 | $214,066.44 |
| 116 | $1,159.53 | $420.64 | $213,645.80 |
| 117 | $1,157.25 | $422.92 | $213,222.88 |
| 118 | $1,154.96 | $425.21 | $212,797.66 |
| 119 | $1,152.65 | $427.52 | $212,370.15 |
| 120 | $1,150.34 | $429.83 | $211,940.32 |
| 121 | $1,148.01 | $432.16 | $211,508.16 |
| 122 | $1,145.67 | $434.50 | $211,073.66 |
| 123 | $1,143.32 | $436.85 | $210,636.80 |
| 124 | $1,140.95 | $439.22 | $210,197.58 |
| 125 | $1,138.57 | $441.60 | $209,755.98 |
| 126 | $1,136.18 | $443.99 | $209,311.99 |
| 127 | $1,133.77 | $446.40 | $208,865.59 |
| 128 | $1,131.36 | $448.81 | $208,416.78 |
| 129 | $1,128.92 | $451.25 | $207,965.53 |
| 130 | $1,126.48 | $453.69 | $207,511.84 |
| 131 | $1,124.02 | $456.15 | $207,055.69 |
| 132 | $1,121.55 | $458.62 | $206,597.07 |
| 133 | $1,119.07 | $461.10 | $206,135.97 |
| 134 | $1,116.57 | $463.60 | $205,672.37 |
| 135 | $1,114.06 | $466.11 | $205,206.26 |
| 136 | $1,111.53 | $468.64 | $204,737.62 |
| 137 | $1,109.00 | $471.17 | $204,266.45 |
| 138 | $1,106.44 | $473.73 | $203,792.72 |
| 139 | $1,103.88 | $476.29 | $203,316.43 |
| 140 | $1,101.30 | $478.87 | $202,837.56 |
| 141 | $1,098.70 | $481.47 | $202,356.09 |
| 142 | $1,096.10 | $484.07 | $201,872.02 |
| 143 | $1,093.47 | $486.70 | $201,385.32 |
| 144 | $1,090.84 | $489.33 | $200,895.99 |
| 145 | $1,088.19 | $491.98 | $200,404.00 |
| 146 | $1,085.52 | $494.65 | $199,909.35 |
| 147 | $1,082.84 | $497.33 | $199,412.03 |
| 148 | $1,080.15 | $500.02 | $198,912.01 |
| 149 | $1,077.44 | $502.73 | $198,409.28 |
| 150 | $1,074.72 | $505.45 | $197,903.82 |
| 151 | $1,071.98 | $508.19 | $197,395.63 |
| 152 | $1,069.23 | $510.94 | $196,884.69 |
| 153 | $1,066.46 | $513.71 | $196,370.98 |
| 154 | $1,063.68 | $516.49 | $195,854.48 |
| 155 | $1,060.88 | $519.29 | $195,335.19 |
| 156 | $1,058.07 | $522.10 | $194,813.09 |
| 157 | $1,055.24 | $524.93 | $194,288.15 |
| 158 | $1,052.39 | $527.78 | $193,760.38 |
| 159 | $1,049.54 | $530.63 | $193,229.74 |
| 160 | $1,046.66 | $533.51 | $192,696.23 |
| 161 | $1,043.77 | $536.40 | $192,159.84 |
| 162 | $1,040.87 | $539.30 | $191,620.53 |
| 163 | $1,037.94 | $542.23 | $191,078.31 |
| 164 | $1,035.01 | $545.16 | $190,533.14 |
| 165 | $1,032.05 | $548.12 | $189,985.03 |
| 166 | $1,029.09 | $551.08 | $189,433.94 |
| 167 | $1,026.10 | $554.07 | $188,879.87 |
| 168 | $1,023.10 | $557.07 | $188,322.80 |
| 169 | $1,020.08 | $560.09 | $187,762.71 |
| 170 | $1,017.05 | $563.12 | $187,199.59 |
| 171 | $1,014.00 | $566.17 | $186,633.42 |
| 172 | $1,010.93 | $569.24 | $186,064.18 |
| 173 | $1,007.85 | $572.32 | $185,491.86 |
| 174 | $1,004.75 | $575.42 | $184,916.44 |
| 175 | $1,001.63 | $578.54 | $184,337.90 |
| 176 | $998.50 | $581.67 | $183,756.22 |
| 177 | $995.35 | $584.82 | $183,171.40 |
| 178 | $992.18 | $587.99 | $182,583.41 |
| 179 | $988.99 | $591.18 | $181,992.23 |
| 180 | $985.79 | $594.38 | $181,397.85 |
| 181 | $982.57 | $597.60 | $180,800.25 |
| 182 | $979.33 | $600.84 | $180,199.42 |
| 183 | $976.08 | $604.09 | $179,595.33 |
| 184 | $972.81 | $607.36 | $178,987.97 |
| 185 | $969.52 | $610.65 | $178,377.32 |
| 186 | $966.21 | $613.96 | $177,763.36 |
| 187 | $962.88 | $617.29 | $177,146.07 |
| 188 | $959.54 | $620.63 | $176,525.44 |
| 189 | $956.18 | $623.99 | $175,901.45 |
| 190 | $952.80 | $627.37 | $175,274.08 |
| 191 | $949.40 | $630.77 | $174,643.31 |
| 192 | $945.98 | $634.19 | $174,009.13 |
| 193 | $942.55 | $637.62 | $173,371.51 |
| 194 | $939.10 | $641.07 | $172,730.43 |
| 195 | $935.62 | $644.55 | $172,085.88 |
| 196 | $932.13 | $648.04 | $171,437.85 |
| 197 | $928.62 | $651.55 | $170,786.30 |
| 198 | $925.09 | $655.08 | $170,131.22 |
| 199 | $921.54 | $658.63 | $169,472.59 |
| 200 | $917.98 | $662.19 | $168,810.40 |
| 201 | $914.39 | $665.78 | $168,144.62 |
| 202 | $910.78 | $669.39 | $167,475.23 |
| 203 | $907.16 | $673.01 | $166,802.22 |
| 204 | $903.51 | $676.66 | $166,125.56 |
| 205 | $899.85 | $680.32 | $165,445.24 |
| 206 | $896.16 | $684.01 | $164,761.23 |
| 207 | $892.46 | $687.71 | $164,073.52 |
| 208 | $888.73 | $691.44 | $163,382.08 |
| 209 | $884.99 | $695.18 | $162,686.90 |
| 210 | $881.22 | $698.95 | $161,987.95 |
| 211 | $877.43 | $702.74 | $161,285.21 |
| 212 | $873.63 | $706.54 | $160,578.67 |
| 213 | $869.80 | $710.37 | $159,868.30 |
| 214 | $865.95 | $714.22 | $159,154.08 |
| 215 | $862.08 | $718.09 | $158,436.00 |
| 216 | $858.19 | $721.98 | $157,714.02 |
| 217 | $854.28 | $725.89 | $156,988.14 |
| 218 | $850.35 | $729.82 | $156,258.32 |
| 219 | $846.40 | $733.77 | $155,524.55 |
| 220 | $842.42 | $737.75 | $154,786.80 |
| 221 | $838.43 | $741.74 | $154,045.06 |
| 222 | $834.41 | $745.76 | $153,299.30 |
| 223 | $830.37 | $749.80 | $152,549.50 |
| 224 | $826.31 | $753.86 | $151,795.64 |
| 225 | $822.23 | $757.94 | $151,037.70 |
| 226 | $818.12 | $762.05 | $150,275.65 |
| 227 | $813.99 | $766.18 | $149,509.47 |
| 228 | $809.84 | $770.33 | $148,739.15 |
| 229 | $805.67 | $774.50 | $147,964.65 |
| 230 | $801.48 | $778.69 | $147,185.95 |
| 231 | $797.26 | $782.91 | $146,403.04 |
| 232 | $793.02 | $787.15 | $145,615.89 |
| 233 | $788.75 | $791.42 | $144,824.47 |
| 234 | $784.47 | $795.70 | $144,028.76 |
| 235 | $780.16 | $800.01 | $143,228.75 |
| 236 | $775.82 | $804.35 | $142,424.40 |
| 237 | $771.47 | $808.70 | $141,615.70 |
| 238 | $767.09 | $813.09 | $140,802.61 |
| 239 | $762.68 | $817.49 | $139,985.12 |
| 240 | $758.25 | $821.92 | $139,163.21 |
| 241 | $753.80 | $826.37 | $138,336.84 |
| 242 | $749.32 | $830.85 | $137,505.99 |
| 243 | $744.82 | $835.35 | $136,670.65 |
| 244 | $740.30 | $839.87 | $135,830.77 |
| 245 | $735.75 | $844.42 | $134,986.35 |
| 246 | $731.18 | $848.99 | $134,137.36 |
| 247 | $726.58 | $853.59 | $133,283.77 |
| 248 | $721.95 | $858.22 | $132,425.55 |
| 249 | $717.31 | $862.86 | $131,562.69 |
| 250 | $712.63 | $867.54 | $130,695.15 |
| 251 | $707.93 | $872.24 | $129,822.91 |
| 252 | $703.21 | $876.96 | $128,945.95 |
| 253 | $698.46 | $881.71 | $128,064.23 |
| 254 | $693.68 | $886.49 | $127,177.75 |
| 255 | $688.88 | $891.29 | $126,286.46 |
| 256 | $684.05 | $896.12 | $125,390.34 |
| 257 | $679.20 | $900.97 | $124,489.36 |
| 258 | $674.32 | $905.85 | $123,583.51 |
| 259 | $669.41 | $910.76 | $122,672.75 |
| 260 | $664.48 | $915.69 | $121,757.06 |
| 261 | $659.52 | $920.65 | $120,836.41 |
| 262 | $654.53 | $925.64 | $119,910.77 |
| 263 | $649.52 | $930.65 | $118,980.11 |
| 264 | $644.48 | $935.69 | $118,044.42 |
| 265 | $639.41 | $940.76 | $117,103.66 |
| 266 | $634.31 | $945.86 | $116,157.80 |
| 267 | $629.19 | $950.98 | $115,206.82 |
| 268 | $624.04 | $956.13 | $114,250.68 |
| 269 | $618.86 | $961.31 | $113,289.37 |
| 270 | $613.65 | $966.52 | $112,322.85 |
| 271 | $608.42 | $971.75 | $111,351.10 |
| 272 | $603.15 | $977.02 | $110,374.08 |
| 273 | $597.86 | $982.31 | $109,391.77 |
| 274 | $592.54 | $987.63 | $108,404.14 |
| 275 | $587.19 | $992.98 | $107,411.16 |
| 276 | $581.81 | $998.36 | $106,412.80 |
| 277 | $576.40 | $1,003.77 | $105,409.03 |
| 278 | $570.97 | $1,009.20 | $104,399.82 |
| 279 | $565.50 | $1,014.67 | $103,385.15 |
| 280 | $560.00 | $1,020.17 | $102,364.99 |
| 281 | $554.48 | $1,025.69 | $101,339.29 |
| 282 | $548.92 | $1,031.25 | $100,308.04 |
| 283 | $543.34 | $1,036.83 | $99,271.21 |
| 284 | $537.72 | $1,042.45 | $98,228.76 |
| 285 | $532.07 | $1,048.10 | $97,180.66 |
| 286 | $526.40 | $1,053.77 | $96,126.89 |
| 287 | $520.69 | $1,059.48 | $95,067.40 |
| 288 | $514.95 | $1,065.22 | $94,002.18 |
| 289 | $509.18 | $1,070.99 | $92,931.19 |
| 290 | $503.38 | $1,076.79 | $91,854.40 |
| 291 | $497.54 | $1,082.63 | $90,771.77 |
| 292 | $491.68 | $1,088.49 | $89,683.28 |
| 293 | $485.78 | $1,094.39 | $88,588.90 |
| 294 | $479.86 | $1,100.31 | $87,488.58 |
| 295 | $473.90 | $1,106.27 | $86,382.31 |
| 296 | $467.90 | $1,112.27 | $85,270.04 |
| 297 | $461.88 | $1,118.29 | $84,151.75 |
| 298 | $455.82 | $1,124.35 | $83,027.40 |
| 299 | $449.73 | $1,130.44 | $81,896.97 |
| 300 | $443.61 | $1,136.56 | $80,760.41 |
| 301 | $437.45 | $1,142.72 | $79,617.69 |
| 302 | $431.26 | $1,148.91 | $78,468.78 |
| 303 | $425.04 | $1,155.13 | $77,313.65 |
| 304 | $418.78 | $1,161.39 | $76,152.26 |
| 305 | $412.49 | $1,167.68 | $74,984.58 |
| 306 | $406.17 | $1,174.00 | $73,810.58 |
| 307 | $399.81 | $1,180.36 | $72,630.22 |
| 308 | $393.41 | $1,186.76 | $71,443.46 |
| 309 | $386.99 | $1,193.18 | $70,250.28 |
| 310 | $380.52 | $1,199.65 | $69,050.63 |
| 311 | $374.02 | $1,206.15 | $67,844.48 |
| 312 | $367.49 | $1,212.68 | $66,631.80 |
| 313 | $360.92 | $1,219.25 | $65,412.55 |
| 314 | $354.32 | $1,225.85 | $64,186.70 |
| 315 | $347.68 | $1,232.49 | $62,954.21 |
| 316 | $341.00 | $1,239.17 | $61,715.04 |
| 317 | $334.29 | $1,245.88 | $60,469.16 |
| 318 | $327.54 | $1,252.63 | $59,216.53 |
| 319 | $320.76 | $1,259.41 | $57,957.12 |
| 320 | $313.93 | $1,266.24 | $56,690.88 |
| 321 | $307.08 | $1,273.09 | $55,417.79 |
| 322 | $300.18 | $1,279.99 | $54,137.80 |
| 323 | $293.25 | $1,286.92 | $52,850.88 |
| 324 | $286.28 | $1,293.89 | $51,556.98 |
| 325 | $279.27 | $1,300.90 | $50,256.08 |
| 326 | $272.22 | $1,307.95 | $48,948.13 |
| 327 | $265.14 | $1,315.03 | $47,633.09 |
| 328 | $258.01 | $1,322.16 | $46,310.94 |
| 329 | $250.85 | $1,329.32 | $44,981.62 |
| 330 | $243.65 | $1,336.52 | $43,645.10 |
| 331 | $236.41 | $1,343.76 | $42,301.34 |
| 332 | $229.13 | $1,351.04 | $40,950.30 |
| 333 | $221.81 | $1,358.36 | $39,591.94 |
| 334 | $214.46 | $1,365.71 | $38,226.23 |
| 335 | $207.06 | $1,373.11 | $36,853.12 |
| 336 | $199.62 | $1,380.55 | $35,472.57 |
| 337 | $192.14 | $1,388.03 | $34,084.54 |
| 338 | $184.62 | $1,395.55 | $32,689.00 |
| 339 | $177.07 | $1,403.10 | $31,285.89 |
| 340 | $169.47 | $1,410.70 | $29,875.19 |
| 341 | $161.82 | $1,418.35 | $28,456.84 |
| 342 | $154.14 | $1,426.03 | $27,030.81 |
| 343 | $146.42 | $1,433.75 | $25,597.06 |
| 344 | $138.65 | $1,441.52 | $24,155.54 |
| 345 | $130.84 | $1,449.33 | $22,706.21 |
| 346 | $122.99 | $1,457.18 | $21,249.04 |
| 347 | $115.10 | $1,465.07 | $19,783.96 |
| 348 | $107.16 | $1,473.01 | $18,310.96 |
| 349 | $99.18 | $1,480.99 | $16,829.97 |
| 350 | $91.16 | $1,489.01 | $15,340.96 |
| 351 | $83.10 | $1,497.07 | $13,843.89 |
| 352 | $74.99 | $1,505.18 | $12,338.71 |
| 353 | $66.83 | $1,513.34 | $10,825.37 |
| 354 | $58.64 | $1,521.53 | $9,303.84 |
| 355 | $50.40 | $1,529.77 | $7,774.07 |
| 356 | $42.11 | $1,538.06 | $6,236.01 |
| 357 | $33.78 | $1,546.39 | $4,689.61 |
| 358 | $25.40 | $1,554.77 | $3,134.85 |
| 359 | $16.98 | $1,563.19 | $1,571.66 |
| 360 | $8.51 | $1,571.66 | $0.00 |
So funktioniert's
Kreditbetrag eingeben
Die Tilgungssumme - was du nach Anzahlung tatsächlich aufnimmst.
Zinssatz und Laufzeit eingeben
Jahreszins in Prozent, Laufzeit in Jahren. Den Monatsrechner machen wir.
Tilgungsplan ausklappen
Die erste Zeile zeigt Zins vs Tilgung im 1. Monat. Plan ausklappen für alle Monate bis Laufzeitende.
Was ist das?
Ein Kreditrechner berechnet die feste Monatsrate, die einen voll tilgenden Kredit über die Laufzeit abzahlt, mit der klassischen Annuitätenformel P × r / (1 - (1 + r)^-n). Er zeigt zusätzlich die Aufteilung Zins/Tilgung pro Monat - den Tilgungsplan. Die Zahlen sind deterministisch: gleiche Eingaben, identisches Ergebnis auf den Cent.
Wann verwenden
Vor dem Unterzeichnen einer Hypothek, Autokredit, Studienkredit oder Privatkredit zur Verifikation der genannten Rate. Hilfreich beim Vergleichen: Zins, Laufzeit oder Anzahlung variieren und die Wirkung auf Liquidität und Gesamtzinsen sehen. Auch für Umschuldungsentscheidungen - alten Plan gegen neuen halten.
Häufige Fehler
Vergessen, dass die « Monatsrate » Grundsteuer, Versicherung und PMI ausklammert - die echte Belastung liegt 25-40 % höher. Gebühren und Punkte vergessen (sie heben den Effektivzins). Den Unterschied der Gesamtzinsen zwischen 30 und 15 Jahren unterschätzen - längere Laufzeit, kleinere Rate, deutlich höhere Lebenskosten.
FAQ
- Sind Steuern und Versicherung enthalten?
- Nein. Nur Zins + Tilgung (P&I). Für eine vollständige Hypothekenschätzung kommen Grundsteuer, Wohngebäudeversicherung und ggf. PMI separat dazu.
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