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Tilgungsplan: Kreditrechner

Help & frequently asked questions

Getting started

1. Enter the amount and the interest rate.
2. Choose how the payment is set: by repayment rate, by term, or by entering the monthly payment yourself.
3. Set the fixed-rate period if your rate is only fixed for a number of years.
4. Open the schedule to see every month, or overpayments to see what paying extra saves.

Questions

Which interest rate should I enter?

The nominal rate your bank quotes — in Germany the Sollzins, not the Effektivzins. The effective rate already includes fees and is meant for comparing offers, so entering it here would count those fees twice.

What is the balance at the end of the fixed period?

Most mortgages fix the interest rate for a number of years, not for the whole term. When that period ends, part of the debt is usually still outstanding and has to be refinanced at whatever rate applies then. The app shows exactly how much that will be — the number that decides whether a low rate today is actually a good deal.

Why is the term so long with a 2% repayment rate?

That is the arithmetic, not a bug. A repayment rate sets the monthly payment as interest plus repayment; at 2% initial repayment a loan runs for roughly 30 years, even though 100 ÷ 2 suggests 50. Each month a little more of the payment goes to principal, which is why it finishes sooner than the naive figure.

The app says my payment never repays the loan

The monthly payment you entered is smaller than the first month's interest, so the debt would grow instead of shrink. Raise the payment or lower the rate.

Do the numbers match my bank's statement exactly?

They will be very close, usually within a few cents per year. Banks differ in day-count conventions and in when they book payments; the app uses the standard monthly annuity with amounts rounded to cents, the same basis as the schedules lenders print.

What does the free version include?

The full calculation — monthly payment, term, total interest and the balance at the end of the fixed period — plus the first twelve months of the schedule. Unlocking adds the complete schedule, overpayment scenarios, the comparison and CSV export. It is a one-time purchase, not a subscription.

I paid but everything is still locked

Open Settings in the app and tap Restore Purchase. Make sure you are signed in with the same Apple Account you bought with.

Can I get a refund?

Refunds are handled by Apple, not by us. Visit reportaproblem.apple.com and sign in with your Apple Account.

Is this financial advice?

No. The app is a calculator: it works out what the numbers you enter imply. It does not recommend a loan, and it cannot see your circumstances.

Does it work without internet?

Yes, completely. The app makes no network requests at all. Your loan stays on your device — nothing is uploaded, and there is no account.

Still stuck?

Email hayriodabas@gmail.com with your iOS version and what you were doing when the problem happened.