Beispiele
Kredit — Worked Examples
3 real worked examples for the Kredit calculator. See how we solve common scenarios with full step-by-step math.
1
Car loan
Szenario
$25,000 car loan at 7% APR for 5 years (60 months).
Eingaben
- Principal
- $25,000
- APR
- 7%
- Term
- 5 years
Berechnungsschritte
- r = 0.07 / 12 = 0.00583
- n = 60
- M = 25000 × (0.00583 × 1.00583⁶⁰) / (1.00583⁶⁰ − 1)
- M = 25000 × 0.01980
- M ≈ $495 / month
Ergebnis
Monthly payment: $495 • Total paid: $29,700 • Interest: $4,700
2
Student loan
Szenario
$40,000 student loan at 5.5% APR for 10 years.
Eingaben
- Principal
- $40,000
- APR
- 5.5%
- Term
- 10 years
Berechnungsschritte
- r = 0.055 / 12 = 0.00458
- n = 120
- M = 40000 × (0.00458 × 1.00458¹²⁰) / (1.00458¹²⁰ − 1)
- M ≈ $434 / month
Ergebnis
Monthly payment: $434 • Total paid: $52,080 • Interest: $12,080
3
Personal loan for debt consolidation
Szenario
$15,000 personal loan at 12% APR for 3 years.
Eingaben
- Principal
- $15,000
- APR
- 12%
- Term
- 3 years
Berechnungsschritte
- r = 0.12 / 12 = 0.01
- n = 36
- M = 15000 × (0.01 × 1.01³⁶) / (1.01³⁶ − 1)
- M ≈ $498 / month
Ergebnis
Monthly payment: $498 • Total paid: $17,928 • Interest: $2,928