German Amortization (constant principal)

Loan calculator using the German amortization system: each month you pay down the same amount of principal (P/n) and interest is computed on the remaining balance, so total installment decreases. Results in lower total interest than French at the same term. Supports extra principal payments on specific dates that speed up loan payoff. Charts balance and installment month-by-month, optional French comparison.

đź’° Pagos extra al capital

Reducen el saldo en una fecha específica → menos intereses y se acaba antes.

Cuota inicial

$933,33

Cuota final

$841,67

Total intereses

$650,00

Total a pagar

$10.650,00

Plazo efectivo

12 meses

Saldo restante mes a mes

Alemana · 12 meses · 12,00% anual

$0,00$2.475,00$4.950,00$7.425,00$9.900,00mes 1mes 3mes 5mes 7mes 9mes 11mes 12Alemana

Cuota mensual (decreciente)

$0,00$252,00$504,00$756,00$1.008,00mes 1mes 3mes 5mes 7mes 9mes 11mes 12Alemana (decrece)

CĂłmo se calcula

Sistema alemán (capital constante): el capital amortizado cada mes es fijo capital = P / n. El interés se calcula sobre el saldo restante: interés_m = saldo × r. La cuota total es capital + interés_m y decrece mes a mes.

Diferencia con francesa: en francesa la cuota es fija pero pagas más intereses al final. En alemana las primeras cuotas son más altas pero pagas menos intereses totales y el saldo baja más rápido.

Pagos extra al capital: reducen el saldo y los intereses de meses siguientes. El capital base por mes (P/n) no cambia, pero el préstamo termina antes.

CĂłmo usarla

  1. Enter the amount. Loan principal in your chosen currency.
  2. Set rate and term. Annual nominal rate and number of months.
  3. Add extra payments (optional). Principal payments in a specific month to speed up.
  4. Toggle comparison. Check the box to see French side-by-side.
  5. Review the charts. Decreasing balance and decreasing installment. Optional month-by-month table.

Ejemplos resueltos

  • USD 12 000 al 12% en 12 meses (alemán) → capital fijo USD 1 000/mes, cuota inicial USD 1 120, final USD 1 010, intereses ~USD 780.
  • Mismo prĂ©stamo en francesa → cuota fija USD 1 066, intereses ~USD 793.
  • Con pago extra de USD 2 000 en mes 6 (24m al 12%) → ahorras intereses + termina ~4 meses antes.

Preguntas frecuentes

How is it different from French amortization?

French has fixed installment; German has fixed principal and decreasing installment. German pays less total interest but the first installments are higher.

When should I use German?

If you can afford higher initial installments and prefer to reduce total interest. Also useful if you expect your income to decrease later (smaller final installments).

How do extra principal payments help?

They reduce the balance on a specific date. Base monthly principal (P/n) does not change, but future interest is lower and the loan ends sooner.

Is my data saved?

No. Everything is computed in your browser. Nothing is sent to servers.

Is it accurate?

Yes, uses the standard mathematical formula. Your bank may have small differences due to fees, insurance, or specific rounding.

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