Calculator
Loan calculator with effective rate and amortisation schedule
Move the sliders and see exactly what the loan costs month by month. The calculator works out the annuity and solves the effective rate numerically from the actual payment flows — the same method the law prescribes.
Your figures
Above the rate cap. Under the Consumer Credit Act the nominal rate may not exceed 22.00% during 2026. An offer above that is not permitted for consumer credit.
Above the cost cap. The cost of credit exceeds the loan amount. The law never allows you to repay more than double what you borrowed.
Result
Monthly costSEK 3,106
Effective rate9.27 %
Total repayableSEK 186,389
Of which credit costSEK 36,389
Interest and principal by year
Interest and fees Amortering
See also
- Compare personal loans, consolidation and quick loans
- Work out whether consolidating your loans pays off
- The rules that protect you as a borrower
- Mortgage rates — list rate against the real average
- Credit cards with no annual fee — compare the interest-free period and rewards
- Car loans: security in the car means a lower rate
- Unsecured business loans for limited companies and sole traders
- Questions Swedish borrowers ask us
- Personal loans
- Quick loans
- Guides
- Method
Updated 2 September 2026