Stop Overpaying
Your BankStop Overpaying Your Bank - Take Control of Your Loan
Advanced loan calculator for Cyprus & EU.
Turn complex loans into simple savings.The most advanced loan calculator for Cyprus and the EU. Turn what banks make complicated into simple, actionable insights. Calculate, optimize, and save on any loan - new or existing.
- See what your bank doesn't want you to know about early payoffs
- Save years and thousands with strategic loan optimization
- Compare loan scenarios that banks won't show you side by side
Trusted by borrowers across Europe
Calculate Any Loan Scenario
Whether you're buying a home or optimizing your current loan, we've got the tools to help you save. Used by smart borrowers across Cyprus and the EU.
- Compare house loan offers from different banks
- Simulate fixed, variable, and mixed-rate scenarios
- See total costs and monthly payments upfront
- Factor in down payment and additional costs
- Early loan payoff calculator with exact savings
- Compare current vs optimized payment strategies
- Track your progress and milestones
- See when refinancing makes sense
- Simulate rising and falling rate environments
- Prepare for rate changes on variable loans
- Compare fixed vs variable over full loan term
- Get insights banks won't tell you
Start Your Loan Optimization Journey
Choose the right tool for your situation. Whether you're buying a home or optimizing your current loan in Cyprus or anywhere in the EU.
Why Extra Payments Matter
Paying just €100 extra per month can shave years off your mortgage and save you thousands in interest.
Most EU banks allow extra payments directly to the principal balance. This reduces the amount you owe faster, cutting down both your loan term and the total interest paid over time.
Example: €200,000 mortgage at initial rate of 4.87% for 30 years
- Standard monthly payment: €795
- With €100 extra per month: €895
- Time saved: 4.5 years
- Interest saved: €6,396
Extra Payment Impact
Standard Plan
30 years
€137,741 interest
With Extra Payments
25.5 years
€131,345 interest
Pessimistic
Balanced
Optimistic
Simulate Interest Rate Changes
Simulate how rising or falling interest rates affect your mortgage. Explore scenarios with fixed, variable, and mixed-rate loans, and see the impact on monthly payments, total interest, and loan duration.
Our tool models potential fluctuations based on pessimistic, balanced, and optimistic outlooks. Understand the potential range of your payments and plan accordingly.
How It Works
Choose your path to loan optimization. Whether you're shopping for a new loan or optimizing an existing one.
Choose Your Tool
New Loan Calculator for shopping rates, or Existing Loan Optimizer to save on your current loan.
Enter Your Details
Input your loan amount, rate, and terms. We'll handle the complex calculations.
Discover Savings
See exactly how much you can save in time and money with different strategies.
Take Action
Export reports, compare scenarios, and negotiate better terms with your bank.
Understand Mortgages Better
Get clear explanations of mortgage terms, interest types, amortization schedules, and more.
Partner With Us to Elevate Your Brand
Offer this powerful mortgage tool under your own brand, with exclusive rights or strategic sponsorships. Trusted by financial institutions and advisors across Cyprus and the EU.
Custom Branding
Your Logo & Colors
Integration
Website Integration
Branded Reports
PDF Exports
Customization
Contact Information