Tools
Loan calculator
The loan calculator computes the monthly installment, total interest, and total amount payable for a given amount, term and interest rate. Compare scenarios (fixed rate or EURIBOR + margin) and quickly see how changes affect the loan cost. The calculation is informational. Numbers use European format (e.g. 50.000 for fifty thousand, 5,50 for five point five).
Advanced settings
Loan installment result
Loan amortization
Amortization schedule
| Month | Installment | Interest | Principal | Prepayment | Balance |
|---|---|---|---|---|---|
| – | |||||
Why this calculator
Why use the loan calculator?
Compare scenarios
Change the amount, term and interest rate and instantly see how the instalment and the total cost of the loan change.
Fixed or variable
Check what EURIBOR plus the bank's margin means and how your instalment would change if EURIBOR rises.
See the real cost
The amortisation schedule shows how much interest you pay and how much you save with extra payments.
How is the monthly loan instalment calculated?
Most loans in Slovenia are repaid in equal monthly instalments (annuities). Each instalment covers that month's interest, and the rest reduces the principal. As the principal shrinks over time, most of the instalment goes to interest at first and mostly to principal towards the end. You can see how the split changes month by month in the amortisation schedule above.
Example: on a €150,000 mortgage over 20 years at 4%, the monthly instalment is €909. In the first month €500 of it is interest and €409 principal. Over 20 years you repay €218,153 in total, of which €68,153 is interest. Over 25 years the instalment would be €792, but interest would rise to €87,527. A longer term lowers the instalment but makes the loan dearer.
Monthly mortgage instalment at a 4% interest rate (example)
| Amount | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| €100,000 | €740 | €606 | €528 | €477 |
| €150,000 | €1,110 | €909 | €792 | €716 |
| €200,000 | €1,479 | €1,212 | €1,056 | €955 |
Monthly consumer loan instalment at a 6% interest rate (example)
| Amount | 3 years | 5 years | 7 years |
|---|---|---|---|
| €5,000 | €152 | €97 | €73 |
| €10,000 | €304 | €193 | €146 |
| €20,000 | €608 | €387 | €292 |
| €30,000 | €913 | €580 | €438 |
Instalments exclude approval, administration and insurance costs. For your own amount, term and rate, use the calculator above.
How much can you borrow? Banks generally allow all your instalments together to take up to half of your net income, and you must be left with the legal minimum for living costs after paying them. You can work out what that means for you with the credit capacity calculator.
Interest rate and costs: the instalment depends on the interest rate, which can be fixed or variable (EURIBOR plus the bank's margin). How EURIBOR moves and what the market expects is explained in the article EURIBOR 2026. To compare offers, look not only at the interest rate but at the APR, which includes costs. Current bank offers are in the mortgage comparison and the consumer loan comparison, and loans for energy renovation or solar panels in the green loan comparison.
Frequently asked questions
Frequently asked questions about the loan calculator 7
Does the calculator include all loan costs (insurance, arrangement)?
What does EURIBOR + margin mean?
Why can my installment change with a variable rate?
How do prepayments affect the loan?
How is the monthly loan instalment calculated?
What is the instalment on a €100,000 loan over 20 years?
Is the calculation binding?
