Two numbers worth knowing. Everything is calculated in your browser: nothing is saved or sent.
How many months you could live on your savings if your income stopped, and how far you are from your goal.
How it works: months covered = savings ÷ essential expenses. The usual goal is 3 to 6 months (more if your income is irregular or you are self-employed).
Monthly payment, total interest and what happens if you pay a little extra each month.
| Year | Paid | Interest | Outstanding |
|---|
How it works: fixed-payment (annuity) loan, the most common kind. Each month the interest is the outstanding balance × rate ÷ 12; the rest of the payment reduces the balance. An extra payment shortens the term, it doesn't lower the payment.
This is a snapshot of today. Numivita keeps it up to date every month: your emergency cushion, your loans and when you'll be free of them, with your real numbers.
Indicative results: not financial advice or an offer from any lender.
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