RATIOXA MONEY · Decision tool
Loan calculator
Calculate payment, interest, total cost and the effect of extra principal.
5 inputsQuick comparisonSaved locally on this device.
DECISION PACK
Loan calculator
Created: 18/08/2026 · loan@5.0
Important: Not personal investment or credit advice. Returns are uncertain.
Result · Why?
With extra payment: interest leads by €851
Extra payments reduce principal, term and future interest.
Difference€851
With extra payment: interest
Without extra payment: interest
Break-even
Months saved
Calculated reduction in loan term.
Result robustness
Robust within tested range
The leading option remains ahead across the automatic ±10% input tests.
- TermApprox. change in result: €356
- Extra monthly paymentApprox. change in result: €184
- Annual percentage rateApprox. change in result: €94
RATIOXA STORY
Your Decision Story
- 1
With extra payment: interest: €4,116
- 2
Without extra payment: interest: €4,967
- 3
With extra payment: interest leads in the base case.
Calculation Health
Quick estimate
Add more of your own values to strengthen the scenario.
- + Loan amount
- + Annual percentage rate
- + Term
RATIOXA IMPACT MAP
What matters most?
Term€356
Extra monthly payment€184
Annual percentage rate€94
Loan amount€16
Fees€0
Higher impact →Key insight
Your decision is most vulnerable to changes in Term.
Extra payments reduce principal, term and future interest.
SCENARIO RANGE · DETERMINISTIC
Stress-test this decision
RATIOXA ×
Months saved
Calculated reduction in loan term.
Crossover10
Compare everything
With extra payment: interestWithout extra payment: interest
Result value€4,116€4,967
Difference€851—
Interest€4,116€4,967
Fees€250€250
RATIOXA FLOW
Next useful steps
SCENARIO RANGE
Conservative · Base · Optimistic
Locked assumptions
TRUST CHECK
Fair Comparison Check
- ✓Same comparison horizon
- ✓Comparable cash flows
- ✓Residual values and balances included
- ✓Inputs are internally consistent
Not included in the model
- Contract terms, eligibility and taxes outside the entered values
- Personal risk tolerance and liquidity needs
- Professional legal, tax, finance or energy advice
Assumption freshness
Decision readiness
0/5 inputs replaced with your own or transferred values · 4 real-world details still worth checking
- ○ Have both alternatives been compared over the same period?
- ○ Are all one-off costs and fees confirmed?
- ○ Are resale value, remaining debt and end assets documented?
- ○ Have you tested a cautious range for uncertain assumptions?
TRANSPARENT MATH
Formula inspector
Calculation steps
- The amortisation plan uses an unrounded monthly balance.
- Fees are transparently added to total cost.
Substitution with your values
Sum of displayed components A = 4115.87 + 250.00 = 4365.87Sum of displayed components B = 4966.68 + 250.00 = 5216.68Total: 4115.87 / 4966.68SOURCE SNAPSHOT
Official reference context
Context only. RATIOXA never substitutes a policy rate or survey result for your personal offer.
European Central Bank · Euro areaECB deposit facility: 2.25 %Effective 2026-06-17 · Verified 2026-08-17
Caution: Macroeconomic context — not your personal loan or mortgage rate.
Primary source ↗European Central Bank · Euro areaECB main refinancing rate: 2.4 %Effective 2026-06-17 · Verified 2026-08-17
Caution: Do not copy this into a calculator as a personal APR.
Primary source ↗CURRENT CONTEXT
Relevant developments
A sourced update may affect one of your assumptions. RATIOXA never changes a value silently.
MONEY
ECB keeps key interest rates unchanged after June increase
Key rates shape financing conditions but are not your personal loan rate.
May affect: Mortgage APR · Loan APRImportant: Not personal investment or credit advice. Returns are uncertain.
WHAT-IF
Snapshot current scenario
IMPORTANT DOCUMENTS
Prepare the decision
● Saved locallyQUESTIONS TO ASK
Ask before you sign
- What is the effective APR?
- Can I make additional repayments?
- Which early repayment fees apply?
EXTERNAL OFFERS · SEPARATE FROM THE CALCULATION
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