Loan calculators

What you can calculate here and why it matters

The instalment calculator shows you within seconds the monthly cost of a loan, based on amount, term, and fixed or variable interest. The model follows the classic annuity formula, the same one banks apply in their loan offers. The gap between what you see here and the final offer comes from fees, insurance and collateral valuation charges, which range between 1,250 and 3,870 lei for an average mortgage, per ANPC data from the first quarter of 2026.

Bogdan Băicu, former BRD loan officer: "Many clients walk into the bank without having run a preliminary calculation. The result: they ask for 187,500 lei over 25 years and only learn during file review that their debt-to-income ratio allows at most 142,350 lei. Two minutes on a calculator before the appointment saves two weeks of pointless back and forth."

APR: the right comparison metric

The Annual Percentage Rate (APR, or DAE in Romanian) is the only figure regulated by GEO 50/2010 that shows the total yearly cost of a loan, including fees, mandatory insurance and administration charges. Two loans with the same nominal rate of 8.73% can carry different APRs, 9.47% versus 10.82%, purely because of the fee package. The right comparison runs on APR, not on the instalment or the advertised rate.

That 1.35 percentage point gap between the two loans, on 137,500 lei over 18 years, means 24,317 lei paid extra by the end. The calculator here lets you run several scenarios quickly, before requesting the official FSIE Standard Sheet offers from each bank.

Debt-to-income ratio: the NBR limit

NBR Regulation 17/2018, updated in 2023, caps the debt-to-income ratio at 40% of net income for consumer loans and 50% for mortgages, with exceptions for the Prima Casă programme. The score calculator estimates borrowing capacity from your net monthly income, active loans and recurring obligations. For a net income of 7,450 lei and a car loan with an 873 lei instalment, the maximum available for a new personal loan is roughly 38,625 lei over 5 years.

Refinancing: when the maths makes sense

Refinancing becomes worthwhile when the gap between your current rate and the new rate exceeds 1.3 percentage points, after deducting the early repayment fee capped by GEO 50/2010 at 0% for variable-rate loans and at most 1% for fixed-rate ones. On a remaining balance of 87,350 lei, a cut from 9.47% to 7.82% saves 14,823 lei over the rest of the term, net of fees. The refinancing calculator shows your breakeven in months and the final verdict.

Mortgage calculator: what to check before the bank

A good mortgage calculator does not stop at the monthly instalment. It puts the down payment, the fixed-rate period, the post-promo margin, IRCC, the valuation fee and property insurance into the same scenario. For a home worth 418,700 lei, with a 62,805 lei down payment and a 355,895 lei loan over 240 months, a 0.74 point difference in the rate can shift the total cost by over 29,600 lei.

Bogdan Băicu, former BRD loan officer: "With mortgages, the client first asks what the instalment is. I always asked what happens after the 5-year fixed period." If you are simulating a home loan, read the mortgage page too, then check IRCC before comparing offers.