Loan Calculator
Payment, total overpayment and repayment schedule.
How we calculate
How the payment is calculated
The annual rate is divided by the number of payments per year: for monthly payments i = rate / 12, for quarterly ones rate / 4, for annual ones the rate itself. The term is converted into the number of payments N.
- Annuity payment: A · i / (1 − (1 + i)^−N), where A is the loan amount. Payments are equal; at the start most of each payment is interest.
- Differentiated payment: A / N plus interest on the remaining balance. The first payments are the largest, then they decrease.
- Overpayment is the sum of all payments minus the loan amount.
What is not included
Bank fees and insurance are not included, so the effective annual rate in your contract (GESV) may be higher. Check the result against the bank’s repayment schedule.
Frequently asked questions
What is the difference between annuity and differentiated payments?
With annuity payments you pay the same amount throughout the term. With differentiated payments the principal is repaid in equal parts and interest is charged on the remaining balance, so payments decrease from the first to the last.
Which is better: annuity or differentiated payments?
With the same rate and term, differentiated payments cost less in total because the debt is repaid faster, but the first payments are higher. Annuity payments are easier to plan and lower at the start. Compare both in the calculator.
How do I calculate the overpayment on a loan?
The overpayment is the sum of all payments minus the loan amount. The calculator shows it in tenge and as a percentage of the loan amount.
Does the calculator include fees and insurance?
No. It calculates interest at the rate you enter. Fees, insurance and other bank charges raise the real cost of the loan.
How is the effective annual rate (GESV) different from the loan rate?
The rate is the interest on the loan. GESV, the effective annual rate, also includes other payments under the contract, so it is higher. Enter the rate from your contract; the calculator does not compute GESV itself.
Can I pay quarterly or yearly?
Yes, choose the payment frequency. The term must be a multiple of the period between payments, for example a multiple of 3 months for quarterly payments. The maximum term is 50 years (600 months).
How can I reduce the overpayment?
Choose a shorter term, pick differentiated payments, or repay early if the bank allows it without penalties. Try different terms in the calculator and compare the overpayment.
Official sources
Data checked on 03.11.2026. The result is an estimate under the current rules, not financial advice.