Track all your loans & mortgages
Mortgages, consumer loans, credit cards — track all debts with auto-generated amortization schedules, payment plan vs. actual payments, extra payment calculator, refinancing analysis, rate change scenarios, and invest vs. pay-off comparison. Link mortgages to properties for a complete picture.
Payment Plan & Amortization Schedule
Auto-generated amortization schedule shows every installment with date, amount, principal, interest, and remaining balance. Toggle between payment plan and actual recorded payments. See total cost, total interest paid, remaining amount, and current installment number. The balance chart visualizes how your debt decreases over time with milestones for 25%, 50%, 75% paid off and fixation end date.
Total to pay
305 500 €
Total interest
145 500 €
Remaining
293 500 €
Current payment
14 of 360
Balance progression
Milestones
Amortization schedule
Extra Payment Calculator
Calculate how much you save with a one-time extra payment. Enter the amount and month, choose between reducing monthly payment or shortening the term. The calculator accounts for Czech legislation — banks can charge up to 1% during fixation period. See saved interest, saved months, new monthly payment, and new payoff date.
Extra payment
How much you save with a one-time extra payment
Extra payment amount
Payment month
Strategy
⚠️ This payment falls within fixation period
Bank may charge up to 1% early repayment fee = 80 €
Net savings after fee: 8200 €
Saved interest
8300 €
Saved months
--
New monthly payment
810 €
New payoff date
Feb 2055
Refinancing Analysis
Compare your current rate with a new offer. The calculator includes Czech legislation — banks can charge max 1% of outstanding principal during fixation. See if refinancing pays off after accounting for all fees. Results show monthly savings, total savings, payback period, and clear recommendation.
Refinancing
Is it worth switching to a different rate?
Current rate
New rate
● In fixation period 22 months to end
⚠️ During fixation bank can charge max 1% of outstanding principal. Consider waiting until Feb 2028.
Early repayment fees
1600 €
Monthly saving
9 €
Total saving
1700 €
Payback
167 months
Recommendation
Worth it!
Payment Change Simulator
See the impact of changing your monthly payment. Increasing the payment saves interest and shortens the term. Decreasing it provides cash flow relief but costs more long-term. A slider from -50% to +100% lets you visualize the tradeoff between time, interest saved, and new payoff date.
Payment change
What happens when you increase or decrease your payment
Current payment
New payment
Time change
--
Saved interest
--
New payoff date
--
Invest vs. Pay Off Comparison
Should you use spare cash to pay off the mortgage faster or invest it? Compare the guaranteed interest savings from mortgage prepayment against potential investment returns. The calculator considers Czech tax law — holdings over 3 years are tax-exempt. See which option comes out ahead and by how much.
Invest vs. pay off
Is it better to invest spare cash or pay off the mortgage?
Available amount
Expected return
Horizon
✅ Returns will be tax-exempt
Holding 3+ years = income tax exemption per § 4 ZDP
🏠 Pay off mortgage
Saved interest:
40 500 €
📈 Invest
Profit (tax-free):
95 500 €
Recommendation
Better to invest
Difference: 55 000 €
Fixation End Rate Scenarios
Prepare for the end of your fixation period. See how different interest rate scenarios would affect your monthly payment — from optimistic (lower rates) to extreme (much higher). Includes fixation end date, remaining months, balance at end, and a custom rate input to model any scenario.
Rate scenarios
How will your payment change at different rates
Fix ends
Feb 2028
In months
21
Balance at end
153 000 €
Remaining months
324
How it works
Three steps to complete debt management
Add Your Loans
Enter principal, interest rate, fixation period, lender, and link to properties. Supports mortgages, consumer loans, and credit cards.
Track Payments
Record payments with principal/interest split. Amortization schedule generates automatically. Compare plan vs. actual.
Optimize with Calculators
Use extra payment, refinancing, payment change, invest vs. pay-off, and rate scenario calculators to make data-driven decisions.
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