Calculadora de intereses
Calcula los intereses para cualquier período. Introduce los pagos y los tipos de interés y elige el método de cálculo deseado.
| Nr. | Importe (€) | Descripción | Fecha | |
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| Nr. | Importe (€) | Descripción | de | hasta | |
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| Nr. | Tipo (%) | vigente desde | BCE+ | |
|---|---|---|---|---|
| 1. | % | |||
| 2. | % | |||
| 3. | % | |||
| 4. | % | |||
| 5. | % | |||
| 6. | % | |||
| 7. | % | |||
| 8. | % | |||
| 9. | % | |||
| 10. | % |
BCE+: el importe se añade al tipo base BCE actual (p. ej. 5 = BCE+5 % para intereses de demora).
Resultado
| Fecha | Operación | Pago (€) | Intereses (€) | Capital (€) |
|---|
Overview
The interest calculator computes interest and capital development for any time period. You can enter lump-sum payments, annual payments, monthly payments and individual interest rates (including the ECB base rate). The result shows a complete table of all transactions with the running capital balance.
Step by Step
- Enter the start and end date in the format
DD.MM.YYYY(e.g.01.01.2024to31.12.2024). - Choose the calculation method (see below).
- Choose the interest settlement (see below).
- In the Interest Rate tab, enter at least one rate with a date.
- Optionally enter payments in the Lump-sum, Annual or Monthly tabs.
- Click “Calculate interest”.
The Four Tabs
Tab 1 – Lump-sum Payments
Each row represents a one-time payment on a specific date.
Negative amounts are withdrawals (e.g. -500).
The date must fall between the start and end date.
| Field | Example | Meaning |
|---|---|---|
| Amount (€) | 1,000.00 | Deposited or withdrawn amount (negative = withdrawal) |
| Label | Initial deposit | Free text shown in the result table |
| Date | 15.03.2024 | Date of the transaction |
Tab 2 – Annual Payments
For regular yearly payments (e.g. annual premium, savings contribution). The payment is booked from the “from” date every year on the same day, as long as the “to” date (or end date) is not exceeded. If the date falls on 29 Feb, the 28th is used in non-leap years.
| Field | Example | Meaning |
|---|---|---|
| Amount (€) | 500.00 | Amount of the annual payment |
| from | 01.01.2024 | First payment date |
| to | 31.12.2028 | Last possible payment date |
Tab 3 – Monthly Payments
For recurring monthly amounts (e.g. savings rate, rent, repayment). The payment is booked monthly on the same day. For end-of-month dates (e.g. the 31st), it is automatically adjusted to the last day of the respective month.
| Field | Example | Meaning |
|---|---|---|
| Amount (€) | 100.00 | Monthly amount |
| from | 01.01.2024 | First payment date |
| to | 31.12.2024 | Last possible payment date |
Tab 4 – Interest Rate
Here you define which interest rate applies from which date. Up to 10 different rates can be stored for different periods. The last valid rate before the calculation date is used.
| Field | Example | Meaning |
|---|---|---|
| Interest rate (%) | 3.50 | Annual rate in percent |
| valid from | 01.01.2024 | This rate applies from this date |
| ECB+ | ☑ | The entered value is added to the current ECB base rate (§ 247 BGB) |
ECB example: ECB base rate is 2.90 %, you enter 5 and enable ECB+
→ effective rate = 7.90 % (statutory default interest under § 288 BGB for consumers).
Calculation Methods
| Method | Day count | Year basis | Typical use |
|---|---|---|---|
| German (30/360) | Each month = 30 days, year = 360 days | 360 | German bonds, loans, savings contracts |
| English (act./365) | Actual calendar days | 365 | Anglo-American practice, money market |
Formula: Interest = Capital × Rate% ÷ Basis × Days
Interest Settlement
| Option | Meaning |
|---|---|
| Annual compound (compounding) | Interest is calculated annually on 31 Dec and added to the capital. The new capital earns interest in the following year. |
| Annual interest (simple) | Interest is shown on 31 Dec but not added to the capital. No compounding effect; useful for damages and default interest calculations. |
| Monthly compound (compounding) | Interest is added to the capital monthly (at end of month). Highest compounding effect, typical for building savings contracts. |
Result Table – Colour Legend
- Green – Payment (deposit or withdrawal)
- Blue – Interest posting (compound / monthly)
- Orange – Annual / final settlement
- Purple – Interest rate change
PDF Export
After the calculation, the button “Create PDF” appears in the result area. The generated PDF contains all settings, a summary with final capital and total interest, as well as the complete transaction table. It can be viewed directly in the browser or downloaded.
Practical Examples
Calculate default interest (§ 288 BGB)
- Start date = due date of the claim
- End date = today’s date
- Tab Lump-sum payments: enter the claim amount
- Tab Interest rate: enter
5, enable ECB+, date = start date - Method: German (30/360) · Settlement: Annual interest (simple)
Simulate a savings account
- Start date = account opening, end date = desired target date
- Tab Lump-sum payments: enter opening balance on start date
- Tab Monthly payments: monthly savings rate, from/to = entire period
- Tab Interest rate: enter current savings rate
- Settlement: Annual compound (compounding)
Negative ECB base rate
The ECB base rate can also be negative (as it was from 2013–2022). In this case, ECB+ reduces the effective interest rate. If the total rate becomes negative, no interest is calculated (the calculator sets it to 0 internally).
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factsoft AGHermann-Lingg-Str. 2
D-80336 München, Alemania
E-Mail: datenschutz@factsoft.de
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D-80336 München, Alemania
E-Mail: datenschutz@factsoft.de