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Everything the app does
PersonalWhat you have left for the month, every day.HouseholdShared bills split to the cent.BillsEach bill on its day, the month read ahead.Our approachWhat we keep, and what we never do.€9.99One subscription for the whole household.
Solutions
One way of living together, one page
FlatshareThe rent split to the cent, the groceries tracked.FreelanceThe business costs, kept apart.CouplesShared bills, a budget each.StudentsWhat's left each day, until the next payment.Group potA shared gift, and who has paid in.Living abroadA budget in the local currency.Regular savingsYour payments tracked, with a goal.First homeFixed bills set once, the month read ahead.
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CalculatorsBudget, sharing, loans, savings: free tools.The blogAdvice on keeping a budget together.Help centreAnswers to questions about the app.PressThe press kit and contacts.AboutWho makes fleen, and why.Download
Home and loans

Mortgage payment

The amount, the rate, the term: the monthly payment, the interest and what the loan costs in all, insurance included.

Everything is worked out in your browser: nothing is sent, nothing is kept.

How it is worked out

1

The payment is constant: at first it repays mostly interest, at the end mostly capital. It is worked out with the formula of fixed-payment loans.

2

The insurance is taken on the amount borrowed, the most common way it is quoted in France. Application and guarantee fees are not counted: ask the bank, they add to the cost.

The formula
Payment= Capital × r ÷ (1 − (1 + r)−n)

with r the monthly rate and n the number of months

Going further

In fleenFirst homeFixed bills set once, the month read ahead.

Questions

What term to choose?

The longer the term, the lower the payment and the higher the interest. Banks usually lend up to 25 years.

Is the rate shown the APR?

No: it is the nominal rate. The APR adds the insurance and the fees, and is what to compare offers with.

And after buying?

In fleen, the payment becomes a household bill, shared as you decide.

The other calculators

All calculators
Borrowing capacityHow much to borrow without going over 35 % of income.Debt ratioThe share of income taken by loans.Personal loanMonthly payment and cost of a consumer loan.Split a billEqual shares, percentages, shares or fixed amounts.

Your budget,
at hand

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