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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

Personal loan

A car, works, some equipment: the monthly payment and what the loan really costs.

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

How it is worked out

1

The calculation is that of a fixed-payment loan. With the APR, which includes the compulsory fees, the cost shown is close to what you will really pay.

2

A personal loan is not tied to a purchase: the money does not have to buy something specific, but the rate is often higher than a car or works loan.

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

Going further

In fleenBillsEach bill on its day, the month read ahead.

Questions

Can it be repaid early?

Yes. Fees may apply beyond 10,000 € repaid in a year, capped by law.

What term to choose?

The shortest your budget can take: every extra month adds interest.

And in the budget?

In fleen, the loan becomes a debt followed month after month, with what is left to repay.

The other calculators

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

Your budget,
at hand

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