Mortgage amortization calculator: how much is left when your fixed rate ends?
How much is left at the end of the fixed-rate period? At your mortgage rate of interest, the calculator shows your payment, the interest cost and the remaining debt — year by year, optionally with an annual extra repayment.
How does a mortgage amortization calculator work out the payment, balance and schedule?
The calculator assumes an annuity loan whose monthly payment stays constant during the fixed-rate period. Because interest only accrues on the outstanding balance, the split shifts towards repayment year by year. What matters most is the remaining balance at the end of the fixed-rate period, because it becomes the follow-up financing. A higher initial repayment rate reduces it.
| Year | Interest | Repayment | Extra repayment | Remaining debt |
|---|
Non-binding guidance. Annuity loan with a constant payment; extra repayments are only possible within the contractually agreed scope. The rate comes from our rate overview (mortgage rates) — concrete terms arise in an offer.
Get the full evaluation by email
Your full result with your exact figures — free, straight to your inbox.
Mortgage calculator: your repayment path
With an annuity loan the payment stays constant; each year the interest share falls and the repayment share rises. A higher initial repayment rate or regular extra repayments noticeably reduce the remaining debt at the end of the fixed-rate period — and thus the follow-up risk.
The calculator takes the rate from our rate overview, matching the loan-to-value you choose. For a KfW loan with repayment-free start years or a repayment grant, use the dedicated KfW loan repayment calculator.
Enter loan amount, loan-to-value, initial repayment and fixed-rate period; optionally an annual extra repayment.
Keep this result — and the right documents
A calculator gives you a number.
A financing decision needs the right paperwork ready before you talk to a bank. We'll send you the checklist that matches your situation — free, no sales call attached.
Can you keep the amortisation schedule as an Excel file?
Yes, the amortisation schedule also comes as an Excel file with your figures and all formulas intact, and the whole plan recalculates when you change the rate, the repayment or the overpayment.
New: The amortisation schedule also comes as an Excel file to keep — with your figures and all formulas intact. Change the rate, the repayment or the overpayment and the whole plan recalculates. Not a frozen printout.
Need the blank forms right now? Get them via a quick form: self-disclosure form (DE/EN) · net-worth statement (DE/EN).
Open the file directly — no form: Germany property financing checklist (PDF, 9 pages) · Non-resident mortgage checklist (PDF, 9 pages) · KfW funding overview 2026 (PDF, 4 pages) · Amortisation calculator (Excel)
Mortgage rate interest: why does the split shift towards repayment year by year?
The monthly payment of an annuity loan stays constant.
Interest accrues only on the outstanding balance, so each year the interest share falls and the repayment share rises, and the effect accelerates over time. A higher initial repayment rate or regular extra repayments noticeably reduce the remaining debt at the end of the fixed-rate period.
Frequently asked questions
Why does the interest share fall over the years?
Because interest is only ever charged on the remaining debt. As the payment stays constant and the remaining debt falls, a growing part of the payment goes to repayment — the effect accelerates over time.
Are extra repayments worthwhile?
They reduce the remaining debt and thus the interest cost and the follow-up risk. It is important that the contract permits extra repayments (often up to a certain percentage per year). Whether they are wiser than other uses of the money depends on your overall situation.
What happens at the end of the fixed-rate period?
The remaining debt is then refinanced — the follow-up financing. Here a comparison pays off, rather than simply accepting your bank's prolongation offer.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
Follow-up financing
What happens to the remaining debt after the fixed-rate period — and how switching banks helps.
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.