SmartCalcy.Răspunsuri rapide pentru calculele de zi cu zi
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Credite ipotecare și imobiliare

Calculator grafic de rambursare (amortizare)

Graficul complet de rambursare care arată cum se împarte fiecare rată între dobândă și principal, cu plăți suplimentare.

£
% pe an
ani
Lungime de the loan in ani
£

Despre Calculator grafic de rambursare (amortizare)

Graficul complet de rambursare care arată cum se împarte fiecare rată între dobândă și principal, cu plăți suplimentare.

Face parte din secțiunea „Credite ipotecare și imobiliare” a SmartCalcy. Rulează în browser, fără cont, folosește valuta și unitățile tale (le poți schimba în partea de sus a paginii) și oferă estimări doar cu titlu informativ, deci verifică ghidurile oficiale înainte să te bazezi pe un rezultat.

Cum folosești Calculator grafic de rambursare (amortizare)

Ce calculează și când să-l folosești

Un scadențar de amortizare arată cum se împarte fiecare plată a unui împrumut cu dobândă fixă între dobândă și principal. Folosește-l ca să vezi cât de încet scade soldul în primii ani, să afli data ultimei plăți și să testezi efectul plății unei sume suplimentare în fiecare lună.

Cum se folosește, pas cu pas

  1. Introdu suma împrumutată, rata anuală a dobânzii și durata în ani.
  2. Adaugă o sumă lunară suplimentară dacă plănuiești să plătești anticipat.
  3. Alege luna primei plăți, ca scadențarul să arate date reale.
  4. Citește plata, dobânda totală și luna ultimei plăți, apoi deschide scadențarul pe ani sau pe luni.

Întrebări frecvente

De ce o parte atât de mică din primele plăți este principal?

Dobânda se calculează la întregul sold, care este cel mai mare la început. Pe măsură ce soldul scade, partea de dobândă scade și o parte mai mare din aceeași plată merge la principal.

Ce se întâmplă la o rată zero?

Fiecare plată este principal. Plata este împrumutul împărțit la numărul de luni.

Plățile suplimentare scurtează durata sau reduc plata?

Aici scurtează durata, pentru că plata rămâne aceeași. Unii creditori te lasă să alegi să reduci plata în schimb.

Instrumente similare

Rata lunară
£1,896.20
360 rate · £682,633.47 în total
Suma împrumutată £300,000Dobândă £382,633

Detalii

Dobândă totală
£382,633.47
Total rambursat
£682,633.47
Final payment
octombrie 2056

An cu an

AnPrincipalDobândăSold
1£3,353£19,401£296,647
2£3,578£19,177£293,069
3£3,817£18,937£289,252
4£4,073£18,681£285,179
5£4,346£18,409£280,833
6£4,637£18,118£276,196
7£4,947£17,807£271,249
8£5,279£17,476£265,970
9£5,632£17,122£260,338
10£6,009£16,745£254,328
11£6,412£16,343£247,916
12£6,841£15,913£241,075
13£7,299£15,455£233,776
14£7,788£14,966£225,987
15£8,310£14,445£217,677
16£8,866£13,888£208,811
17£9,460£13,294£199,351
18£10,094£12,661£189,257
19£10,770£11,985£178,487
20£11,491£11,263£166,996
21£12,261£10,494£154,735
22£13,082£9,673£141,653
23£13,958£8,797£127,695
24£14,893£7,862£112,803
25£15,890£6,864£96,912
26£16,954£5,800£79,958
27£18,090£4,665£61,868
28£19,301£3,453£42,567
29£20,594£2,161£21,973
30£21,973£781£0
Afișează the month-by-month schedule
LunăPrincipalDobândăSold
nov. 2026£271.20£1,625.00£299,728.80
dec. 2026£272.67£1,623.53£299,456.12
ian. 2027£274.15£1,622.05£299,181.97
feb. 2027£275.64£1,620.57£298,906.34
mar. 2027£277.13£1,619.08£298,629.21
apr. 2027£278.63£1,617.57£298,350.58
mai 2027£280.14£1,616.07£298,070.44
iun. 2027£281.66£1,614.55£297,788.79
iul. 2027£283.18£1,613.02£297,505.60
aug. 2027£284.72£1,611.49£297,220.89
sept. 2027£286.26£1,609.95£296,934.63
oct. 2027£287.81£1,608.40£296,646.82
nov. 2027£289.37£1,606.84£296,357.46
dec. 2027£290.93£1,605.27£296,066.52
ian. 2028£292.51£1,603.69£295,774.01
feb. 2028£294.09£1,602.11£295,479.92
mar. 2028£295.69£1,600.52£295,184.23
apr. 2028£297.29£1,598.91£294,886.94
mai 2028£298.90£1,597.30£294,588.04
iun. 2028£300.52£1,595.69£294,287.52
iul. 2028£302.15£1,594.06£293,985.37
aug. 2028£303.78£1,592.42£293,681.59
sept. 2028£305.43£1,590.78£293,376.16
oct. 2028£307.08£1,589.12£293,069.08
nov. 2028£308.75£1,587.46£292,760.33
dec. 2028£310.42£1,585.79£292,449.91
ian. 2029£312.10£1,584.10£292,137.81
feb. 2029£313.79£1,582.41£291,824.02
mar. 2029£315.49£1,580.71£291,508.53
apr. 2029£317.20£1,579.00£291,191.33
mai 2029£318.92£1,577.29£290,872.41
iun. 2029£320.65£1,575.56£290,551.77
iul. 2029£322.38£1,573.82£290,229.39
aug. 2029£324.13£1,572.08£289,905.26
sept. 2029£325.88£1,570.32£289,579.37
oct. 2029£327.65£1,568.55£289,251.73
nov. 2029£329.42£1,566.78£288,922.30
dec. 2029£331.21£1,565.00£288,591.09
ian. 2030£333.00£1,563.20£288,258.09
feb. 2030£334.81£1,561.40£287,923.29
mar. 2030£336.62£1,559.58£287,586.67
apr. 2030£338.44£1,557.76£287,248.22
mai 2030£340.28£1,555.93£286,907.95
iun. 2030£342.12£1,554.08£286,565.83
iul. 2030£343.97£1,552.23£286,221.85
aug. 2030£345.84£1,550.37£285,876.02
sept. 2030£347.71£1,548.50£285,528.31
oct. 2030£349.59£1,546.61£285,178.72
nov. 2030£351.49£1,544.72£284,827.23
dec. 2030£353.39£1,542.81£284,473.84
ian. 2031£355.30£1,540.90£284,118.54
feb. 2031£357.23£1,538.98£283,761.31
mar. 2031£359.16£1,537.04£283,402.15
apr. 2031£361.11£1,535.09£283,041.04
mai 2031£363.07£1,533.14£282,677.97
iun. 2031£365.03£1,531.17£282,312.94
iul. 2031£367.01£1,529.20£281,945.93
aug. 2031£369.00£1,527.21£281,576.93
sept. 2031£371.00£1,525.21£281,205.94
oct. 2031£373.01£1,523.20£280,832.93
nov. 2031£375.03£1,521.18£280,457.91
dec. 2031£377.06£1,519.15£280,080.85
ian. 2032£379.10£1,517.10£279,701.75
feb. 2032£381.15£1,515.05£279,320.60
mar. 2032£383.22£1,512.99£278,937.38
apr. 2032£385.29£1,510.91£278,552.09
mai 2032£387.38£1,508.82£278,164.71
iun. 2032£389.48£1,506.73£277,775.23
iul. 2032£391.59£1,504.62£277,383.64
aug. 2032£393.71£1,502.49£276,989.93
sept. 2032£395.84£1,500.36£276,594.09
oct. 2032£397.99£1,498.22£276,196.10
nov. 2032£400.14£1,496.06£275,795.96
dec. 2032£402.31£1,493.89£275,393.65
ian. 2033£404.49£1,491.72£274,989.16
feb. 2033£406.68£1,489.52£274,582.48
mar. 2033£408.88£1,487.32£274,173.60
apr. 2033£411.10£1,485.11£273,762.50
mai 2033£413.32£1,482.88£273,349.18
iun. 2033£415.56£1,480.64£272,933.62
iul. 2033£417.81£1,478.39£272,515.80
aug. 2033£420.08£1,476.13£272,095.73
sept. 2033£422.35£1,473.85£271,673.37
oct. 2033£424.64£1,471.56£271,248.73
nov. 2033£426.94£1,469.26£270,821.79
dec. 2033£429.25£1,466.95£270,392.54
ian. 2034£431.58£1,464.63£269,960.96
feb. 2034£433.92£1,462.29£269,527.05
mar. 2034£436.27£1,459.94£269,090.78
apr. 2034£438.63£1,457.58£268,652.15
mai 2034£441.00£1,455.20£268,211.15
iun. 2034£443.39£1,452.81£267,767.75
iul. 2034£445.80£1,450.41£267,321.96
aug. 2034£448.21£1,447.99£266,873.75
sept. 2034£450.64£1,445.57£266,423.11
oct. 2034£453.08£1,443.13£265,970.03
nov. 2034£455.53£1,440.67£265,514.50
dec. 2034£458.00£1,438.20£265,056.50
ian. 2035£460.48£1,435.72£264,596.02
feb. 2035£462.98£1,433.23£264,133.04
mar. 2035£465.48£1,430.72£263,667.56
apr. 2035£468.00£1,428.20£263,199.55
mai 2035£470.54£1,425.66£262,729.01
iun. 2035£473.09£1,423.12£262,255.93
iul. 2035£475.65£1,420.55£261,780.27
aug. 2035£478.23£1,417.98£261,302.05
sept. 2035£480.82£1,415.39£260,821.23
oct. 2035£483.42£1,412.78£260,337.81
nov. 2035£486.04£1,410.16£259,851.77
dec. 2035£488.67£1,407.53£259,363.09
ian. 2036£491.32£1,404.88£258,871.77
feb. 2036£493.98£1,402.22£258,377.79
mar. 2036£496.66£1,399.55£257,881.13
apr. 2036£499.35£1,396.86£257,381.78
mai 2036£502.05£1,394.15£256,879.73
iun. 2036£504.77£1,391.43£256,374.96
iul. 2036£507.51£1,388.70£255,867.45
aug. 2036£510.26£1,385.95£255,357.20
sept. 2036£513.02£1,383.18£254,844.18
oct. 2036£515.80£1,380.41£254,328.38
nov. 2036£518.59£1,377.61£253,809.79
dec. 2036£521.40£1,374.80£253,288.39
ian. 2037£524.23£1,371.98£252,764.16
feb. 2037£527.06£1,369.14£252,237.10
mar. 2037£529.92£1,366.28£251,707.18
apr. 2037£532.79£1,363.41£251,174.39
mai 2037£535.68£1,360.53£250,638.71
iun. 2037£538.58£1,357.63£250,100.13
iul. 2037£541.50£1,354.71£249,558.64
aug. 2037£544.43£1,351.78£249,014.21
sept. 2037£547.38£1,348.83£248,466.83
oct. 2037£550.34£1,345.86£247,916.49
nov. 2037£553.32£1,342.88£247,363.17
dec. 2037£556.32£1,339.88£246,806.85
ian. 2038£559.33£1,336.87£246,247.51
feb. 2038£562.36£1,333.84£245,685.15
mar. 2038£565.41£1,330.79£245,119.74
apr. 2038£568.47£1,327.73£244,551.27
mai 2038£571.55£1,324.65£243,979.72
iun. 2038£574.65£1,321.56£243,405.07
iul. 2038£577.76£1,318.44£242,827.31
aug. 2038£580.89£1,315.31£242,246.42
sept. 2038£584.04£1,312.17£241,662.38
oct. 2038£587.20£1,309.00£241,075.18
nov. 2038£590.38£1,305.82£240,484.80
dec. 2038£593.58£1,302.63£239,891.23
ian. 2039£596.79£1,299.41£239,294.43
feb. 2039£600.03£1,296.18£238,694.41
mar. 2039£603.28£1,292.93£238,091.13
apr. 2039£606.54£1,289.66£237,484.59
mai 2039£609.83£1,286.37£236,874.76
iun. 2039£613.13£1,283.07£236,261.63
iul. 2039£616.45£1,279.75£235,645.17
aug. 2039£619.79£1,276.41£235,025.38
sept. 2039£623.15£1,273.05£234,402.23
oct. 2039£626.53£1,269.68£233,775.70
nov. 2039£629.92£1,266.29£233,145.78
dec. 2039£633.33£1,262.87£232,512.45
ian. 2040£636.76£1,259.44£231,875.69
feb. 2040£640.21£1,255.99£231,235.48
mar. 2040£643.68£1,252.53£230,591.80
apr. 2040£647.17£1,249.04£229,944.64
mai 2040£650.67£1,245.53£229,293.97
iun. 2040£654.20£1,242.01£228,639.77
iul. 2040£657.74£1,238.47£227,982.03
aug. 2040£661.30£1,234.90£227,320.73
sept. 2040£664.88£1,231.32£226,655.85
oct. 2040£668.48£1,227.72£225,987.36
nov. 2040£672.11£1,224.10£225,315.26
dec. 2040£675.75£1,220.46£224,639.51
ian. 2041£679.41£1,216.80£223,960.10
feb. 2041£683.09£1,213.12£223,277.02
mar. 2041£686.79£1,209.42£222,590.23
apr. 2041£690.51£1,205.70£221,899.72
mai 2041£694.25£1,201.96£221,205.48
iun. 2041£698.01£1,198.20£220,507.47
iul. 2041£701.79£1,194.42£219,805.68
aug. 2041£705.59£1,190.61£219,100.09
sept. 2041£709.41£1,186.79£218,390.68
oct. 2041£713.25£1,182.95£217,677.42
nov. 2041£717.12£1,179.09£216,960.31
dec. 2041£721.00£1,175.20£216,239.30
ian. 2042£724.91£1,171.30£215,514.40
feb. 2042£728.83£1,167.37£214,785.56
mar. 2042£732.78£1,163.42£214,052.78
apr. 2042£736.75£1,159.45£213,316.03
mai 2042£740.74£1,155.46£212,575.28
iun. 2042£744.75£1,151.45£211,830.53
iul. 2042£748.79£1,147.42£211,081.74
aug. 2042£752.84£1,143.36£210,328.90
sept. 2042£756.92£1,139.28£209,571.97
oct. 2042£761.02£1,135.18£208,810.95
nov. 2042£765.14£1,131.06£208,045.81
dec. 2042£769.29£1,126.91£207,276.52
ian. 2043£773.46£1,122.75£206,503.06
feb. 2043£777.65£1,118.56£205,725.42
mar. 2043£781.86£1,114.35£204,943.56
apr. 2043£786.09£1,110.11£204,157.46
mai 2043£790.35£1,105.85£203,367.11
iun. 2043£794.63£1,101.57£202,572.48
iul. 2043£798.94£1,097.27£201,773.54
aug. 2043£803.26£1,092.94£200,970.28
sept. 2043£807.62£1,088.59£200,162.67
oct. 2043£811.99£1,084.21£199,350.68
nov. 2043£816.39£1,079.82£198,534.29
dec. 2043£820.81£1,075.39£197,713.48
ian. 2044£825.26£1,070.95£196,888.22
feb. 2044£829.73£1,066.48£196,058.50
mar. 2044£834.22£1,061.98£195,224.28
apr. 2044£838.74£1,057.46£194,385.54
mai 2044£843.28£1,052.92£193,542.25
iun. 2044£847.85£1,048.35£192,694.40
iul. 2044£852.44£1,043.76£191,841.96
aug. 2044£857.06£1,039.14£190,984.90
sept. 2044£861.70£1,034.50£190,123.20
oct. 2044£866.37£1,029.83£189,256.83
nov. 2044£871.06£1,025.14£188,385.77
dec. 2044£875.78£1,020.42£187,509.98
ian. 2045£880.52£1,015.68£186,629.46
feb. 2045£885.29£1,010.91£185,744.16
mar. 2045£890.09£1,006.11£184,854.07
apr. 2045£894.91£1,001.29£183,959.16
mai 2045£899.76£996.45£183,059.40
iun. 2045£904.63£991.57£182,154.77
iul. 2045£909.53£986.67£181,245.24
aug. 2045£914.46£981.75£180,330.78
sept. 2045£919.41£976.79£179,411.37
oct. 2045£924.39£971.81£178,486.98
nov. 2045£929.40£966.80£177,557.58
dec. 2045£934.43£961.77£176,623.14
ian. 2046£939.50£956.71£175,683.65
feb. 2046£944.58£951.62£174,739.06
mar. 2046£949.70£946.50£173,789.36
apr. 2046£954.85£941.36£172,834.52
mai 2046£960.02£936.19£171,874.50
iun. 2046£965.22£930.99£170,909.28
iul. 2046£970.45£925.76£169,938.84
aug. 2046£975.70£920.50£168,963.14
sept. 2046£980.99£915.22£167,982.15
oct. 2046£986.30£909.90£166,995.85
nov. 2046£991.64£904.56£166,004.20
dec. 2046£997.01£899.19£165,007.19
ian. 2047£1,002.42£893.79£164,004.77
feb. 2047£1,007.84£888.36£162,996.93
mar. 2047£1,013.30£882.90£161,983.63
apr. 2047£1,018.79£877.41£160,964.83
mai 2047£1,024.31£871.89£159,940.52
iun. 2047£1,029.86£866.34£158,910.66
iul. 2047£1,035.44£860.77£157,875.22
aug. 2047£1,041.05£855.16£156,834.18
sept. 2047£1,046.69£849.52£155,787.49
oct. 2047£1,052.36£843.85£154,735.14
nov. 2047£1,058.06£838.15£153,677.08
dec. 2047£1,063.79£832.42£152,613.29
ian. 2048£1,069.55£826.66£151,543.75
feb. 2048£1,075.34£820.86£150,468.40
mar. 2048£1,081.17£815.04£149,387.24
apr. 2048£1,087.02£809.18£148,300.21
mai 2048£1,092.91£803.29£147,207.30
iun. 2048£1,098.83£797.37£146,108.47
iul. 2048£1,104.78£791.42£145,003.69
aug. 2048£1,110.77£785.44£143,892.92
sept. 2048£1,116.78£779.42£142,776.14
oct. 2048£1,122.83£773.37£141,653.30
nov. 2048£1,128.92£767.29£140,524.39
dec. 2048£1,135.03£761.17£139,389.36
ian. 2049£1,141.18£755.03£138,248.18
feb. 2049£1,147.36£748.84£137,100.82
mar. 2049£1,153.57£742.63£135,947.25
apr. 2049£1,159.82£736.38£134,787.42
mai 2049£1,166.11£730.10£133,621.32
iun. 2049£1,172.42£723.78£132,448.89
iul. 2049£1,178.77£717.43£131,270.12
aug. 2049£1,185.16£711.05£130,084.96
sept. 2049£1,191.58£704.63£128,893.39
oct. 2049£1,198.03£698.17£127,695.36
nov. 2049£1,204.52£691.68£126,490.83
dec. 2049£1,211.05£685.16£125,279.79
ian. 2050£1,217.61£678.60£124,062.18
feb. 2050£1,224.20£672.00£122,837.98
mar. 2050£1,230.83£665.37£121,607.15
apr. 2050£1,237.50£658.71£120,369.65
mai 2050£1,244.20£652.00£119,125.45
iun. 2050£1,250.94£645.26£117,874.51
iul. 2050£1,257.72£638.49£116,616.79
aug. 2050£1,264.53£631.67£115,352.26
sept. 2050£1,271.38£624.82£114,080.88
oct. 2050£1,278.27£617.94£112,802.62
nov. 2050£1,285.19£611.01£111,517.43
dec. 2050£1,292.15£604.05£110,225.28
ian. 2051£1,299.15£597.05£108,926.13
feb. 2051£1,306.19£590.02£107,619.94
mar. 2051£1,313.26£582.94£106,306.68
apr. 2051£1,320.38£575.83£104,986.30
mai 2051£1,327.53£568.68£103,658.77
iun. 2051£1,334.72£561.49£102,324.05
iul. 2051£1,341.95£554.26£100,982.10
aug. 2051£1,349.22£546.99£99,632.89
sept. 2051£1,356.53£539.68£98,276.36
oct. 2051£1,363.87£532.33£96,912.49
nov. 2051£1,371.26£524.94£95,541.22
dec. 2051£1,378.69£517.51£94,162.54
ian. 2052£1,386.16£510.05£92,776.38
feb. 2052£1,393.67£502.54£91,382.71
mar. 2052£1,401.21£494.99£89,981.50
apr. 2052£1,408.80£487.40£88,572.69
mai 2052£1,416.44£479.77£87,156.26
iun. 2052£1,424.11£472.10£85,732.15
iul. 2052£1,431.82£464.38£84,300.33
aug. 2052£1,439.58£456.63£82,860.75
sept. 2052£1,447.37£448.83£81,413.38
oct. 2052£1,455.21£440.99£79,958.16
nov. 2052£1,463.10£433.11£78,495.07
dec. 2052£1,471.02£425.18£77,024.04
ian. 2053£1,478.99£417.21£75,545.05
feb. 2053£1,487.00£409.20£74,058.05
mar. 2053£1,495.06£401.15£72,562.99
apr. 2053£1,503.15£393.05£71,059.84
mai 2053£1,511.30£384.91£69,548.54
iun. 2053£1,519.48£376.72£68,029.06
iul. 2053£1,527.71£368.49£66,501.35
aug. 2053£1,535.99£360.22£64,965.36
sept. 2053£1,544.31£351.90£63,421.05
oct. 2053£1,552.67£343.53£61,868.38
nov. 2053£1,561.08£335.12£60,307.29
dec. 2053£1,569.54£326.66£58,737.75
ian. 2054£1,578.04£318.16£57,159.71
feb. 2054£1,586.59£309.62£55,573.12
mar. 2054£1,595.18£301.02£53,977.94
apr. 2054£1,603.82£292.38£52,374.12
mai 2054£1,612.51£283.69£50,761.61
iun. 2054£1,621.25£274.96£49,140.36
iul. 2054£1,630.03£266.18£47,510.33
aug. 2054£1,638.86£257.35£45,871.48
sept. 2054£1,647.73£248.47£44,223.74
oct. 2054£1,656.66£239.55£42,567.08
nov. 2054£1,665.63£230.57£40,901.45
dec. 2054£1,674.65£221.55£39,226.80
ian. 2055£1,683.73£212.48£37,543.07
feb. 2055£1,692.85£203.36£35,850.23
mar. 2055£1,702.02£194.19£34,148.21
apr. 2055£1,711.23£184.97£32,436.98
mai 2055£1,720.50£175.70£30,716.47
iun. 2055£1,729.82£166.38£28,986.65
iul. 2055£1,739.19£157.01£27,247.46
aug. 2055£1,748.61£147.59£25,498.84
sept. 2055£1,758.09£138.12£23,740.76
oct. 2055£1,767.61£128.60£21,973.15
nov. 2055£1,777.18£119.02£20,195.97
dec. 2055£1,786.81£109.39£18,409.16
ian. 2056£1,796.49£99.72£16,612.67
feb. 2056£1,806.22£89.99£14,806.45
mar. 2056£1,816.00£80.20£12,990.45
apr. 2056£1,825.84£70.36£11,164.61
mai 2056£1,835.73£60.47£9,328.88
iun. 2056£1,845.67£50.53£7,483.21
iul. 2056£1,855.67£40.53£5,627.54
aug. 2056£1,865.72£30.48£3,761.82
sept. 2056£1,875.83£20.38£1,885.99
oct. 2056£1,885.99£10.22£0.00
This assumes a fixed rate and equal monthly payments, with interest added each month on the remaining balance.