A France personal loan calculator (calculateur de prêt personnel) that turns an amount, a term and a rate into the three numbers that actually decide whether a loan is affordable: your fixed monthly repayment, the total interest you will pay, and the total amount repaid over the life of the loan. It also builds a full month-by-month amortisation schedule so you can see exactly how each payment splits between interest and principal.
How it works
A French prêt personnel is a fixed-rate, fixed-term amortising loan, so every monthly payment is identical. The payment is found with the standard annuity formula:
M = P * r / (1 - (1 + r)^-n)where P is the principal, r is the monthly rate (the annual TAEG divided by 12) and n is the number of months. Each month, interest is charged on the outstanding balance (balance * r); whatever is left of the payment reduces the principal. Early payments are mostly interest; later payments are mostly principal, which is why the schedule matters.
France requires lenders to advertise the TAEG — an all-in annual rate that includes compulsory fees — so borrowers can compare offers on one honest number. Typical personal loan TAEGs fall in the 4–10% range.
Worked example
Borrow 10,000 EUR over 48 months at a 6% TAEG. The monthly rate is 0.06 / 12 = 0.005. Plugging into the formula gives a payment of about 235 EUR per month, a total repaid of roughly 11,270 EUR, and total interest of about 1,270 EUR. Shorten the term and the monthly payment rises but total interest drops sharply — the schedule below the result lets you test exactly that trade-off.
All figures are estimates based on your inputs and stay entirely in this browser.