mortgage7 min read
Should You Reduce Your Mortgage Payment or Its Term?
When you overpay your mortgage, the bank asks: lower monthly payment or shorter term? Here's what each option actually costs.
Read article →Make better decisions about your money.
Compare your options before you decide. No sign-up, no ads — just numbers.
No sign-upFully localIndependentNumbers only
What do you want to do with your money?
I have a mortgage
Understand your monthly payment, total interest cost, and what happens if you repay early.
I want to invest
See how your savings could grow with compound interest and regular monthly contributions.
I have a loan
Calculate your monthly payment, real APR and the impact of early repayments on your personal loan.
I have a goal
Calculate how much you need to save to reach a personal financial goal.
I have savings
Explore what options make sense for your money — including investing, overpaying your mortgage, or simply understanding where to start.
Tools
Mortgage
Calculate your monthly payment and full amortisation schedule. Explore what happens with early repayments — whether to reduce the term or lower the monthly payment.
Open mortgage calculatorLoan
Calculate the monthly payment, APR, and amortisation schedule for your personal loan. Simulate early repayments and factor in opening or early-repayment commissions.
Open loan calculatorInvestment
See how an initial investment and regular contributions could grow over time at different assumed rates of return, using real reference benchmarks.
Open investment calculatorComparison
Compare how much you save by paying off your mortgage early versus investing the same amount — with your own numbers.
See comparisonMy Goals
Set a date for any goal — a car, a house deposit, an emergency fund. Calculate how much you need to save monthly or when you'll get there at your current pace.
Open goals calculatorDon't just calculate. Decide.
Knowing your monthly mortgage payment or how an investment might grow is useful. The harder question is: what should I actually do with my money?
Pirfila connects both tools so you can compare real options with your own numbers — with no sales agenda.
The difference between making early mortgage repayments and investing that same money can amount to tens of thousands of euros over the life of a mortgage. There is no universal answer: it depends on the interest rate you pay, the return you expect from investing, and your time horizon. Pirfila's comparison tool shows you the real mathematics of both options so you can decide with clarity, not guesswork.
The difference can amount to tens of thousands of euros over the life of a mortgage.
Pay off mortgage or invest? See the comparisonUnderstand before you decide
Pirfila doesn't assume financial knowledge. Every result comes with explanations so you understand what the numbers mean, not just what they are.
Read the articlesPayment and interest
Which part of your payment reduces the debt, and which part goes to interest.
Compound interest
How your returns generate further returns over time.
Early repayment
What happens when you pay more than scheduled and how it affects the total cost.
Regular contributions
The impact of adding money to an investment on a regular basis.
Personal finance articles
Practical guides on mortgages, investing, saving, and financial decisions.
savings6 min readHow much do you need to save each month to reach €20,000?
How much to save each month for €20,000 depends on your timeline and starting savings. Learn the calculation and apply it to any goal.
Read article →
savings9 min readWhat to do with €10,000 in savings
€10,000 saved: a framework for choosing between emergency fund, debt, mortgage, and investing based on your situation.
Read article →
Your money is yours
We believe you deserve to understand your options without handing over your data to anyone.
Who we areNo sign-up
No account needed. Start calculating right away.
Fully local
Everything runs in your browser. Your data stays on your device.
Independent
Pirfila is independent. We're not a bank or a broker.
Numbers only
We don't recommend financial products. We only show the numbers.
How Pirfila works
Enter your numbers
Enter the capital, interest rate, term, or contributions that match your situation.
Explore scenarios
Adjust the assumptions and see how the results change in real time.
Compare your options
Place two strategies side by side and see in numbers which works better for you.
Make a more informed decision
Understand what the results mean and make a better-informed financial decision.
Frequently asked questions
- Yes, completely free. No subscription, no hidden paid features.
- No. You can calculate, compare and explore scenarios without creating an account or providing your email address.
- Everything runs in your browser. Your data is never sent to a server.
- No. Pirfila shows the mathematical outcome of different scenarios. We don't sell or recommend any financial product.
- No. Results are mathematical projections based on the data you enter. They don't account for your tax situation, risk profile or personal circumstances.
Pirfila is an independent calculation tool built to help you understand your financial options before making a decision. We calculate your mortgage payment, simulate investment growth with compound interest, compare early repayment against investing, and help you plan any personal savings goal — all in your browser, with no sign-up, no ads, and no financial product recommendations.