What is more profitable: reducing the term or amount of payment for early repayment?

Mathematically, it is more profitable to shorten the loan term - this minimizes the final overpayment to the bank. Reducing the payment amount is beneficial for reducing the monthly burden on the budget.

How is the loan overpayment calculated?

The overpayment is the difference between what you borrowed and how much you paid back. It depends on the rate, the term, and whether there are any additional fees or insurance.

Loan calculator

Instant calculation of annuity payments and overpayments

Loan amount (₽)

Term (months)

Rate (% per annum)

Enter the amount, term and rate
to calculate the payment

Monthly payment:

0 ₽

Share of overpayment in the total amount: 0%
You will overpay 0 ₽

Credit body-

Payment term-

Total amount-

Loan calculator

Q: How does an annuity payment differ from a differentiated one?

With an annuity schedule, the payment is fixed for the entire period. With a differentiated payment, the payment gradually decreases towards the end of the term, which allows you to save on the final overpayment.

📊 Accurate calculation of the loan and overpayment

Are you planning to take out a loan? Our tool will help you find out the real cost of the loan in a minute. Unlike advertising brochures of banks, here you will see honest figures: how much you will have to pay monthly and what the final overpayment will be.

What can this calculator do?

We have taken into account all the parameters that affect your wallet:

Type of payments: calculation of annuity (equal shares) or differentiated scheme.
Insurance and Fees: Enter additional costs to find out the actual rate (IIC). If you do not know the exact rate, use our interest calculator for a preliminary estimate.
Early repayment:see how the term or payment will be reduced if you pay an amount over the schedule.

💡 The calculation result will show:

Payment schedule (can be downloaded or printed).
The exact amount of overpayment at interest.
Savings on early repayment.

Why calculate the loan yourself?

✅ Comparison of banks – enter the conditions of different banks and select the one where the overpayment is less.

✅ Budget planning - understand whether your family budget will support the monthly load.

✅ Checking the agreement - the numbers in the bank agreement must match your calculation.

Frequently asked questions (FAQ)

🔹 How does an annuity payment differ from a differentiated payment?

With an annuity (the most common) you pay equal amounts throughout the entire term, but at the beginning most of it is eaten up by interest. With differentiated the payment is reduced every month, and the final overpayment is usually lower.

🔹 What is the most profitable way to repay a loan early?

It is most profitable to do this in the first half of the loan term. When choosing between “reducing the term” and “reducing the payment”, it is mathematically more profitable to shorten the term - this way you will pay the bank less interest in the end.

🔹 Is this calculator suitable for mortgages?

Yes, the calculation algorithm is universal. However, for specific programs with state support, it is better to use the specialized section mortgage calculators, which takes into account the nuances of the down payment.

Tip: If you need to compare several loan products, open this calculator in two different tabs.

Инструменты раздела

How to calculate the interest on a loan (and find out the real overpayment)What is interest on a loan? (We explain when renting a car) Many people are afraid to take out loans because they do not understand how exactly the bank calculates overpayments. It seems that this is complex magic, accessible only to financiers.

CreditAnnuity/Differential

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MortgagePayment and repayment schedule