Forward Loan Calculator
Lock in current interest rates for the future. Calculate conditions for your forward loan. Online calculator with current 2026 market rates and clear breakdown.
3.50 % current + 0.30 %-points surcharge
With Forward Loan
Without Surcharge (Reference)
The forward loan is worthwhile if rates rise above 3.80 % by the time of drawdown.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What is a forward loan?
A forward loan lets you lock in today's interest rates for a future mortgage refinancing, up to 60 months in advance. You pay a small premium (forward surcharge) for this rate guarantee.
When does a forward loan make sense?
A forward loan is useful when you expect interest rates to rise before your current fixed-rate period ends. The longer the forward period, the higher the surcharge -- typically 0.01-0.03% per month.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
Quick Answer
The forward loan calculator computes the conditions of a forward loan, which locks in today's rates for a future refinancing.
What is the Forward Loan Calculator?
The forward loan calculator computes the conditions of a forward loan, which locks in today's rates for a future refinancing.
How does the Forward Loan Calculator work?
Enter the remaining balance at the end of the current fixed-rate period, desired forward period and new fixed-rate period. The calculator determines the forward premium (approx. 0.01-0.03% per month of lead time) and the future monthly instalment.
Key Data and Facts
Forward period: up to 60 months in advance. Rate premium: approx. 0.01-0.03% per month. No free cancellation: a forward loan cannot be cancelled without cost once signed.
Step-by-Step Guide
How to calculate a forward loan step by step: 1. Determine the remaining debt at the end of your current fixed-interest period: this amount will be refinanced with the forward loan. 2. Set the forward period: how many months before the fixed-interest period expires do you want to lock in the new rate? Usual range: 12-60 months. 3. Calculate the forward premium: approx. 0.01-0.03 % per month of lead time. With a 24-month forward: approx. 0.24-0.72 % premium on the current market rate. 4. Determine the new interest rate: current market rate + forward premium = forward rate. 5. Choose the new fixed-interest period and repayment rate. 6. Calculate the future instalment. Example: remaining debt in 24 months: 180,000 EUR. Current market rate: 3.2 %. Forward premium (24 months x 0.02 %): 0.48 %. Forward rate: 3.2 + 0.48 = 3.68 %. New fixed-interest period: 15 years, repayment rate 3 %. Future monthly instalment: 180,000 x (3.68 % + 3 %) / 12 = 1,002 EUR. Comparison without a forward loan if the rate rises (4.5 %): 180,000 x (4.5 % + 3 %) / 12 = 1,125 EUR. Saving: 123 EUR/month.
Calculation Example
Remaining debt 180,000 EUR, forward period 24 months. Market rate 3.2 % + 0.48 % surcharge = 3.68 %. Repayment 3 %. Future payment: 1,002 EUR/month. Without a forward loan at 4.5 %: 1,125 EUR. Savings: 123 EUR/month.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
Finance
Related Calculators
Consumer Loan Calculator
Calculate monthly payments, total costs and amortization schedule for your loan. With interest rate, term and extra payments.
Interest & Compound Interest Calculator 2026 — Free Online
Calculate compound interest with the Rule of 72: capital doubles in 14 years at 5% p.a. Add monthly savings, get full amortization. Free, no registration.
Home Purchase Financing Calculator
Calculate your mortgage with repayment, fixed-rate period and extra payments. Including amortization schedule and remaining balance.
Compound Interest Calculator
Calculate the compound interest effect over any period. See how your wealth grows exponentially. Free with amortization schedule, interest comparison, examples.