Financial Toolset

Calculateur d'Amortissement de Prêt

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Méthodologie & Sources

Mortgage Interest Rates

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Total Interest on Long-Term Loans

Extra Payment Impact

Our amortization calculator uses the standard loan payment formula: M = P[r(1+r)^n]/[(1+r)^n-1], where M is monthly payment, P is principal, r is monthly interest rate, and n is number of payments.

Average 30-year fixed mortgage rates have ranged from 3-7% in recent years, with rates varying based on credit score, down payment, and economic conditions.

Source: Freddie Mac - Primary Mortgage Market Survey

New car loans average 5-7% APR, while used car loans range from 6-10% depending on credit score and vehicle age.

Source: Federal Reserve - Consumer Credit Rates

On a 30-year mortgage, borrowers typically pay 50-100% of the original loan amount in interest, depending on the rate.

Source: CFPB - Understanding Your Loan Estimate

Making one extra mortgage payment per year can reduce a 30-year loan to 26 years and save tens of thousands in interest.

Source: Bankrate - Mortgage Calculator with Extra Payments

Disclaimer: This calculator provides estimated amortization schedules based on the terms you enter. Actual loan terms may include additional costs like PMI, taxes, insurance, and fees not reflected in this calculation. Verify with your lender for exact figures.

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Qu'est-ce que l'amortissement d'un prêt ?

Loan amortization is the process of paying off a loan over time through regular payments. Each payment is split between principal (paying down the loan balance) and interest (the cost of borrowing).

Early in the loan, most of your payment goes to interest. As the balance decreases, more goes to principal. This is why extra payments in the early years have such a powerful impact—they reduce the principal that future interest is calculated on.

Comment fonctionnent les remboursements de prêt

Example: $300,000 loan at 6.5% for 30 years

Monthly payment: $1,896

First payment breakdown:

  • • Interest: $1,625
  • • Principal: $271

Payment #180 (halfway through):

  • • Interest: $1,169
  • • Principal: $727

Final payment:

  • • Interest: $10
  • • Principal: $1,886

Total interest paid: $382,633 (128% of the original loan!)

Le pouvoir des paiements supplémentaires

Sans Paiement Supplémentaire

Avec $200 Supplémentaires/Mois

Les paiements supplémentaires sont appliqués directement au principal, ce qui réduit le montant des intérêts facturés sur les futurs paiements. Même de petits paiements supplémentaires font une grande différence avec le temps.

  • • Paiement mensuel : $1,896
  • • Intérêt total : $382,633
  • • Remboursement : 30 ans
  • • Paiement mensuel : $2,096
  • • Intérêt total : $272,478
  • • Remboursement : 22 ans 4 mois
  • • Économise $110,155!

Stratégies pour rembourser votre prêt plus rapidement

⚠️ Considérations Importantes

  1. Faites des paiements bimensuels : Au lieu d'un paiement mensuel, payez la moitié toutes les deux semaines. Vous effectuerez 13 paiements complets par an au lieu de 12.
  2. Arrondissez votre paiement : Si votre paiement est de $1,234, arrondissez à $1,300 ou $1,500. Le supplément va directement au principal.
  3. Appliquez les aubaines au principal : Les remboursements d'impôts, les bonus et les cadeaux peuvent réduire considérablement votre solde de prêt.
  4. Refinancez à un terme plus court : Un prêt hypothécaire de 15 ans au lieu de 30 ans a des paiements plus élevés mais beaucoup moins d'intérêts.
  5. Évitez de prolonger votre prêt : Refinancer pour redémarrer l'horloge peut vous coûter plus cher à long terme, même avec un taux inférieur.
  • Pénalités de remboursement anticipé : Certains prêts facturent des frais pour un remboursement anticipé. Vérifiez les conditions de votre prêt avant de faire des paiements supplémentaires.
  • Fonds d'urgence en premier : Ne payez pas plus sur votre prêt si vous n'avez pas économisé 3-6 mois de dépenses.
  • Priorité à la dette à taux d'intérêt élevé : Remboursez les cartes de crédit (18%+) avant les paiements hypothécaires supplémentaires (6%).
  • Contributions à la retraite : Si votre employeur correspond aux contributions 401(k), maximisez cela avant les paiements de prêt supplémentaires.
  • Spécifiez "principal seulement" : Lorsque vous effectuez des paiements supplémentaires, demandez à votre prêteur de les appliquer au principal, et non aux futurs paiements.

Key Financial Terms

Understand the essential concepts behind this calculator

Amortization

The process of paying off a loan through regular payments that cover both principal and interest.

Learn more →

Balloon Payment

A large lump-sum payment due at the end of some loans after a period of smaller monthly payments.

Learn more →

Extra Payments (Loan Acceleration)

Additional principal payments beyond the required monthly amount that reduce total interest and shorten loan payoff time.

Learn more →

Loan Term

The length of time you have to repay a loan, typically expressed in months or years.

Learn more →
View all financial terms in our glossary →

Questions Fréquentes

Questions courantes sur Calculateur d'Amortissement de Prêt

C’est un tableau indiquant, pour chaque paiement, la part affectée au capital et aux intérêts, ainsi que le solde restant au fil du temps. Les premiers paiements couvrent principalement les intérêts, tandis que les paiements ultérieurs remboursent surtout le capital.
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Sources & References

Federal Student Loan Interest Rates (2024-2025)

• Undergraduate Direct Loans: 6.53%
• Graduate Direct Unsubsidized: 8.08%
• Direct PLUS Loans: 9.08%
→Source: Federal Student Aid - Interest Rates(2024-2025)

Income-Driven Repayment Plans

• SAVE Plan: 5% of discretionary income (undergraduate), 10% (graduate), 0% below 225% FPL
• PAYE Plan: 10% of discretionary income, capped at 10-year standard
• IBR Plan: 10-15% of discretionary income based on loan date
• ICR Plan: Lesser of 20% discretionary income or fixed 12-year payment
→Source: Federal Student Aid - Income-Driven Repayment Plans(2025)

Public Service Loan Forgiveness (PSLF)

• Requires 120 qualifying monthly payments (10 years)
• Must work full-time for qualifying employer (government/non-profit)
• Remaining balance forgiven tax-free after 120 payments
→Source: Federal Student Aid - PSLF Program(2025)

Average Student Loan Debt (Class of 2023)

• Bachelor's degree borrowers: $28,950 average debt
• Total outstanding student loan debt (U.S.): $1.75 trillion
• Average monthly payment: $200-$299 for most borrowers
→Source: Education Data Initiative - Student Loan Debt Statistics(2023)

Refinancing Rates (2025)

• Private refinancing rates: 4.5% - 9.5% (varies by credit, term)
• Note: Refinancing federal loans means losing federal protections (IDR, PSLF, forbearance)
→Source: CFPB - Student Loan Refinancing(2025)

Important

Student loan rules change frequently. Always verify current program requirements at StudentAid.gov before making decisions.

⚠️ Important