Your loan is charging you right now
Interest does not wait for the monthly payment. It accrues every second you are alive, including this one. Here is yours, running.
Accrued since you opened this page
€0.000000
At this rate, in the first year
Every day
€17
Every month
€527
This year
€6,326
This year you work 64 days purely to pay interest
Each square is one day of your year. Filled together, they show what the interest costs in days of income, not which days you happen to pay it on.
That is year one, the most expensive there will be, because interest is charged on the largest balance the loan will ever have. Averaged over the whole term it comes to 39 days a year.
Over the whole loan the interest comes to €115,648, which is 3.2 years of your current income, handed over for the use of money you already spent.
Your numbers
Interest is highest in the first year and falls as the balance does, so the counter shows what you are paying now, not an average. Every figure comes from the same amortization the calculator runs.