Loan calculator with the real interest rate
The advertised rate on a cash loan is often token, 0.01% a year for instance, while the bank earns through a monthly fee on the original amount. The calculator adds up every payment and shows the real annual rate: at 0.01% with a 1.5% monthly fee over two years it comes out at about 36%. Compare offers on that number.
Loan calculator with the real interest rate
First payment
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Last payment
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Total cost of credit
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Real annual rate
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The real rate is worked out from every cash flow: you receive the amount minus the one-off fee, then pay principal, interest, fees and insurance. It's an estimate: the bank states the real annual interest rate in the agreement using the NBU method, which can differ slightly. Penalties, fines and early repayment are not included.
What it covers
- equal or declining payments
- a one-off arrangement fee
- a monthly fee on the loan amount
- insurance and other fixed payments
What it leaves out
- late-payment penalties and fines
- early repayment
- the exact NBU method used for the rate in the agreement
Rates in this calculator were checked on 5 October 2026 · all rates and sources