Debts & loans
A mortgage is the biggest financial decision most households make. netclariq builds its full amortization schedule and lets you test what happens if you pay down principal early.
Debts & repayment
Total payment €1,396/mo- Primary residence mortgage2.85% · €993/mo€189,958
21% repaid · Last 12 months: €11,327 in principal and €5,584 in interest
- Car loan6.50% · €403/mo€15,439
36% repaid · Last 12 months: €3,706 in principal and €1,135 in interest
Amortization schedule, payment by payment
Enter the principal, rate, term and amortization method to get the full breakdown of interest and principal for every payment, with the outstanding balance kept up to date in your net worth.
- Standard amortizing loans, fixed or variable payment
- Extra payments that reduce the payment or the term
- Payments recorded as real transactions
How much you save by paying down debt
Before moving any money, you can see the interest saved and the months shaved off the term from a specific extra payment, and compare it with what that same amount could earn if invested instead.
Payoff order when you have several debts
If you're carrying multiple loans, the simulator applies the avalanche strategy (highest interest rate first) and projects the date you become debt-free.
Frequently asked questions
- Does it handle variable-rate mortgages?
- Yes. You update the rate when it resets and the schedule recalculates from that point, keeping the history already paid intact.
- Are payments recorded automatically?
- Each scheduled payment can be confirmed as a transaction, so spending and outstanding principal always stay aligned.
Keep exploring
- Net worth
Accounts, investments, assets and debts in one figure, with a monthly history.
- Budgeting
Planned vs. actual by category, with yearly planning and variance alerts.
- Investments
Portfolio valued at market price, per-asset IRR and FIFO gains ready for tax time.