Fanya maamuzi ya kukopa ukitumia vikokotoo vyetu vya mikopo visivyolipishwa na vya uwazi.
Hesabu malipo ya kila mwezi ya mkopo, gharama za jumla za riba, na uone ratiba kamili ya ulipaji. Linganisha mipango ya annuity dhidi ya malipo yanayopungua. Safirisha matokeo yako kwenye PDF kwa kubonyeza moja.
Panga ununuzi wa nyumba yako na muhtasari wa kina wa gharama za mkopo wa nyumba ikiwemo ada za notari, bima, na kodi ya uhamisho wa mali. Gundua ni mshahara gani unahitajika. Ratiba kamili ya ulipaji imejumuishwa.
Hesabu malipo yako ya kukodisha ya kila mwezi kwa njia ya EU (annuity ya puto) au US (sababu ya pesa). Linganisha njia zote mbili na hamisha PDF.
Kikokotoo cha bure cha mkopo wa gari. Pata malipo yako ya kila mwezi ya mkopo wa gari ikijumuisha kodi ya mauzo, malipo ya awali, na thamani ya kubadilishana gari, pamoja na ratiba kamili ya malipo.
Kikokotoo cha bure cha mkopo wa mwanafunzi. Pata malipo yako ya kila mwezi chini ya malipo ya kawaida, au kadiria malipo na msamaha chini ya malipo yanayoongozwa na mapato (IDR).
Kikokotoo cha bure cha ratiba ya malipo (amortization). Ona kiasi hasa cha mtaji, riba, na salio linalobaki kwa kila malipo katika mkopo, rehani, au deni la muda maalum.
Kikokotoo cha bure cha HELOC. Kokotoa kikomo chako cha juu cha home equity line of credit, malipo ya kipindi cha kuchota chenye riba tu, na malipo ya kurejesha.
Kikokotoo cha bure cha kulipa kadi ya mkopo. Hesabu ni muda gani utachukua kulipa salio la kadi ya mkopo na jumla ya riba inayolipwa kwa malipo maalum ya kila mwezi.
Kikokotoo cha bure cha malipo ya ziada. Hesabu ni riba na muda kiasi gani unaookoa kwa kufanya malipo ya ziada kwenye mkopo au rehani.
vikokotoo
Taking a loan or a mortgage is one of the most significant financial decisions you can make. Our credit calculators are designed to eliminate the guesswork. From personal loans to 30-year mortgages, we provide detailed amortization schedules and real cost breakdowns so you know exactly what you are signing up for.
Hatua kwa hatua
Enter your loan amount, interest rate, and repayment term. Our engine instantly calculates your monthly payment, total interest cost, and generates a full amortization schedule showing the exact principal-to-interest ratio for every single month. Compare annuity and decreasing payment plans side by side to choose the best option for your budget.
Hakuna gharama zilizofichwa
Tunaamini zana za elimu ya kifedha zinapaswa kupatikana kwa kila mtu bila kujali mapato. CalcHere ni bure kabisa kutumia - hakuna mipango ya malipo, hakuna ukuta wa malipo, hakuna vizuizi vya vipengele. Tunadumisha jukwaa kupitia utangazaji usioingilizi ambao hautatiza mahesabu yako. Kila kikokotoo, kila kipengele, na kila usafirishaji wa PDF unapatikana kwa kila mtumiaji bila kikomo.
Ushauri wa kitaalam
Linganisha Aina za Mikopo
Tumia kikokotoo cha mkopo ili kulinganisha malipo ya mwaka dhidi ya kupungua kwa mipango ya malipo. Tofauti ya jumla ya gharama inaweza kuwa maelfu ya euro katika maisha ya mkopo.
Angalia Jumla ya Gharama ya Riba
Daima angalia jumla ya kiasi kilicholipwa, sio tu malipo ya kila mwezi. Muda mrefu unamaanisha malipo ya chini ya kila mwezi lakini faida zaidi kwa jumla.
Tumia Ratiba ya Ulipaji Madeni
Jedwali letu la utozaji wa madeni linaonyesha ni kiasi gani cha malipo kwa kila malipo kinachoendana na riba kuu dhidi ya riba. Hii hukusaidia kuamua wakati wa kufanya malipo ya ziada.
Sababu Katika Ada Zote
Kumbuka kuhesabu ada za uanzishaji, bima, na gharama za kufunga. Kikokotoo chetu cha rehani kinajumuisha nyongeza hizi ili jumla ya makadirio ya gharama yako yawe ya kweli.
Rekebisha Muda wa Mkopo
Kufupisha au kuongeza muda wa ulipaji kuna athari kubwa kwa malipo ya kila mwezi na jumla ya riba. Tumia kitelezi kupata salio lako bora kati ya uwezo wa kumudu na gharama.
Endesha Scenario Nyingi
Jaribu kiasi tofauti cha malipo ya chini, viwango vya riba na masharti bega kwa bega. Kulinganisha hali hukusaidia kujadili masharti bora na mkopeshaji wako na kuepuka mshangao.
We use the standard annuity and decreasing payment formulas implemented by top European banks. Every output shows you the exact ratio of principal to interest month by month.
Your loan amounts, interest rates, and personal financial data never leave your browser. All calculations are executed locally on your device for absolute security.
CalcHere iliundwa na timu huru ya wasanidi programu na wapenda fedha ambao wanaamini kuwa kila mtu anastahili ufikiaji wa bure, usio na upendeleo kwa hesabu sawa na ambazo benki hutumia ndani. Sisi si washirika wa taasisi yoyote ya fedha na hatuna motisha ya kukuelekeza kwenye bidhaa fulani. Lengo letu pekee ni kukupa nambari zilizo wazi, sahihi ili uweze kujadiliana kutoka kwa nafasi ya maarifa.
Kila hesabu ya mkopo inaweza kusafirishwa kama PDF safi, ya kitaalamu kwa kubofya mara moja. Hati hii inajumuisha vigezo vyako vyote vya kuingiza data, malipo ya kila mwezi yaliyokokotolewa, jumla ya riba na ratiba kamili ya malipo. Itumie kama rejeleo unapotembelea benki yako, ishiriki na mshauri wa kifedha, au ihifadhi kwa rekodi zako za kibinafsi. Hakuna usajili, hakuna barua pepe, hakuna watermark - data yako tu, iliyoumbizwa na tayari kuchapishwa.
An amortization schedule is a table showing each monthly payment broken down into principal and interest. It lets you see exactly how your loan balance decreases over time and how much interest you pay each month.
A fixed rate stays the same for the entire loan term, giving you predictable payments. A variable rate changes with market conditions ā it may start lower but can increase over time, affecting your monthly payment.
A longer term reduces your monthly payment but increases the total interest you pay. For example, a 30-year mortgage typically costs 50ā80% more in total interest compared to a 15-year mortgage on the same amount.
Yes. Enter each bank's interest rate and term into our mortgage calculator to compare monthly payments, total interest, and overall cost side by side.
No. All calculations run entirely in your browser. We do not collect, store, or transmit any of the financial data you enter.