What is repayment substitute?

You pay the bank interest only and save in parallel (e.g. fund-linked policy). Capital should repay the loan at the end.

Will savings be enough?

The calculator projects capital at your return assumption — no guarantee. Market risk remains with you.

Loan amount or purchase price?

Enter the loan amount. Purchase and closing costs are in the mortgage calculator.

Monthly vs quarterly savings?

Leverage and this tool use monthly intervals. Quarterly tools will differ.

Yes — same savings and compound logic as repayment substitute in Leverage.

Yes — Copy link stores all parameters in the URL.

100% free

Repayment substitute calculator

Model repayment substitute: bank interest plus savings with expected return until payoff.

Loan amount

€

Outstanding loan or principal — not purchase price minus equity.

Annual interest rate (nominal)

Fixed-rate period

years

Monthly savings contribution

€

Expected return p.a.

Monthly payment

€1,012.45

Total interest€40,000.00

Remaining debt after fixed period€0.00

Balloon payment at end of fixed period€100,000.00

Projected capital (repayment substitute)€111,293.74

Schedule over fixed-rate period

Month	Interest	Repayment	Savings	Remaining debt
1	€333.33	€0.00	€679.12	€100,000.00
2	€333.33	€0.00	€679.12	€100,000.00
3	€333.33	€0.00	€679.12	€100,000.00
4	€333.33	€0.00	€679.12	€100,000.00
5	€333.33	€0.00	€679.12	€100,000.00
6	€333.33	€0.00	€679.12	€100,000.00
7	€333.33	€0.00	€679.12	€100,000.00
8	€333.33	€0.00	€679.12	€100,000.00
9	€333.33	€0.00	€679.12	€100,000.00
10	€333.33	€0.00	€679.12	€100,000.00
11	€333.33	€0.00	€679.12	€100,000.00
12	€333.33	€0.00	€679.12	€100,000.00
120	€333.33	€100,000.00	€679.12	€0.00

Showing 13 of 120 months (includes fixed-period end).

Calculations are indicative only and do not constitute a financing offer. No guarantee of accuracy. This tool does not replace professional legal, tax, or financial advice.

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