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Equal vs Declining Installments Comparison

Compare equal (annuity) installments with declining installments. See which option is more profitable and how much you can save.

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Overpaying your mortgage by just 200 PLN can save you months of debt.

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How does this calculator work?

Compare equal (annuity) installments with declining installments. See which option is more profitable and how much you can save.

Free online calculator. Accurate calculations. Easy to use.

Frequently Asked Questions

Equal installments (annuity) maintain a fixed monthly payment throughout the loan term. Declining installments start higher and gradually decrease, as the principal portion is fixed while interest is calculated on a decreasing balance. Our calculator on estim.at shows a detailed comparison of both options.
Declining installments typically result in lower total interest because you pay off the principal faster. However, the initial payments are higher than with equal installments. Our comparison calculator on estim.at shows exactly how much you can save by choosing declining installments.
Declining installments typically drop below equal installments around the middle of the loan term. The exact moment depends on the loan amount, interest rate, and repayment period. Our calculator automatically calculates this moment and displays it in the results.