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Last updated: August 24, 2026

How the app calculates

KreditRaten calculates annuity loans: loans repaid with a constant installment over the entire term. Each installment pays off part of the remaining balance, so the loan is fully repaid by the end of the term. You can solve for any of the four values — payment, term, rate, or loan amount — the app derives whichever one is missing from the other three. The effective annual rate shown follows the compound-interest method used under German consumer-credit law (PAngV).

Why does the result differ from my bank's?

KreditRaten only knows the numbers you enter — loan amount, interest rate, term, and payment interval. It does not account for fees, commissions, commitment interest, or other charges, and banks may round or compound differently. For an actual loan, only your bank's own offer documents are authoritative.

Privacy

The calculation happens entirely on your device or in your browser; from version 3.0 onward the app also sends pseudonymous usage events to our own server. Details in the privacy policy.

All results are non-binding estimates and do not constitute financial advice.