When will my loans be paid off?
Enter each loan's payment, rate and what's left. You'll see the date each one ends and how your monthly payments step down — and what paying extra, or moving to a lower rate, would save.
Worked out on this page. Nothing you type is sent or saved.
- 1 · Quick answer
- 2 · More accurate
- 3 · Exact, in Fyncora →
With your plan: 10 years 10 months
8 years 5 months sooner and €20,279 less interest.
When each loan ends
- Personal loanends in 2 years 2 monthsfrees €190 a month · 10 months sooner with your plan
- Car loanends in 3 years 1 monthfrees €280 a month · 11 months sooner with your plan
- Home loanends in 19 years 3 monthsfrees €780 a month · 8 years 5 months sooner with your plan
Dark: with your plan. Light: paying as you do now.
What you pay each month
- Now€1,250 a month
- After 2 years 3 months€1,060 a month
- After 3 years 2 months€780 a month
- After 19 years 4 monthsThen nothing
With your plan you pay €1,350 every month until everything is paid.
Your rates against the market
- Home loan 3.4%About averageNew home loans, Ireland, August 2026: 3.5% on average.
- Car loan 6.9%About averageNew consumer loans, Ireland, August 2026: 7.3% on average.
- Personal loan 11.9%Above averageNew consumer loans, Ireland, August 2026: 7.3% on average.
Averages of last month's new loans, from the European Central Bank. They are not offers: your rate depends on you, the loan and the bank, and older loans were priced in a different market.
Got an offer from another bank?
Type the offer to see if moving the loan pays. The rate starts at last month's market average — an average, not an offer.
At most €42 by EU law on a fixed-rate consumer loan — often less, or nothing.
Approval fee; for a home loan also notary and land registry.
Or keep paying €190 a month and finish 2 months sooner.
Keep this plan
Create your account and Fyncora sets it up for you: your loans and your payoff plan. You check every number first.
Kept on this device for 7 days, until you sign up. Nothing is sent before that.
Options you may not know
Repay early
You may repay a consumer loan early at any time, in full or in part. In the EU the lender may charge at most 1 % of the amount repaid early (0.5 % in the last year), and only on a fixed-rate loan. For a home loan the fee follows your country's rules — ask the bank for the settlement figure before you decide.
Refinance, or combine loans
A new loan at a lower rate pays off the old one. It is worth it when the rate is clearly lower and the costs are small. Watch the term: a lower payment spread over more years can cost more interest in total.
Change the term
The bank can stretch a loan to lower the payment, or shorten it. Stretching costs more interest; shortening saves it. Ask for the numbers both ways.
Before you miss a payment
Talk to the bank first. Most will agree a pause or a new schedule, and that is far cheaper than arrears. Free, independent debt advice exists in every EU country.
See every loan on one page — and the day you are free of them.
Fyncora keeps your loans beside your accounts and budgets, counts down each payoff date as you pay, and shows what an extra payment would change.
How this is worked out
- Each month we add the interest, then take off the payment. A loan ends when nothing is left.
- Anything extra goes to the loan with the highest rate first — that order costs the least interest. With the box ticked, a finished loan's payment moves to the next loan.
- We assume equal monthly payments, rates that stay as they are, and no new borrowing. A loan with a final lump sum or an interest-only period does not fit.
- Market averages are the European Central Bank's bank interest rate statistics for new loans to households, by country. They are interest rates without fees, so compare them with your interest rate, not an APR.
- An offer is compared over the time your loan has left, with the costs paid when you switch.
- Guidance, not financial advice. The same calculation runs inside Fyncora on your real numbers.