Rottamazione-quinquies instalments: what I pay at each due date
Enter the sum due shown in your statement and the number of instalments chosen in the application: the table shows the estimated amount of each instalment, the interest part and the balance left.
Rottamazione-quinquies instalments fall every two months and are equal, up to 54 of them, as paragraph 83 of article 1 of Italian Law 199 of 2025 provides. Every instalment after the first carries interest at 3% a year, running from 1 August 2026 (paragraph 84), and no instalment may be below €100 (paragraph 92). The official amount is the one printed on the forms of the statement of sums due, sent by 30 June 2026. The calculation on this page rebuilds it with equal instalments and interest on the outstanding balance: €6,000 over 36 instalments comes to about €181.62 per due date, €538.41 of interest in total, with the last instalment due on 31 May 2032. When the division would push an instalment below €100, the official FAQs explain that the number of instalments is cut automatically as far as strictly needed, and the table does the same.
Instalment 3 of 36, due 30 November 2026
€181.62
in 35 days
| Instalments | 36 |
| Estimated regular instalment | €181.62 |
| Estimated interest | €538.41 |
| Total to pay | €6,538.41 |
| Last due date | 31 May 2032 |
Estimate: the statement of sums due is binding.
| No. | Due | Last useful day | Amount | of which interest |
|---|---|---|---|---|
| 1 | 31 Jul 2026 | 05 Aug 2026 | €181.62 | €0.00 |
| 2 | 30 Sept 2026 | 05 Oct 2026 | €181.62 | €29.09 |
| 3 | 30 Nov 2026 | 07 Dec 2026 | €181.62 | €28.33 |
| 4 | 31 Jan 2027 | 08 Feb 2027 | €181.62 | €27.56 |
| 5 | 31 Mar 2027 | 05 Apr 2027 | €181.62 | €26.79 |
| 6 | 31 May 2027 | 07 Jun 2027 | €181.62 | €26.02 |
| 7 | 31 Jul 2027 | 09 Aug 2027 | €181.62 | €25.24 |
| 8 | 30 Sept 2027 | 05 Oct 2027 | €181.62 | €24.46 |
| 9 | 30 Nov 2027 | 06 Dec 2027 | €181.62 | €23.67 |
| 10 | 31 Jan 2028 | 07 Feb 2028 | €181.62 | €22.88 |
| 11 | 31 Mar 2028 | 05 Apr 2028 | €181.62 | €22.09 |
| 12 | 31 May 2028 | 05 Jun 2028 | €181.62 | €21.29 |
Last useful day: due date plus 5 days, moved to the next working day. The tolerance covers the single payment and the last instalment; for the others what matters is not missing two (paragraph 95, Law 199/2025).
Checked by Radif Partners · Editorial policy · Method and sources
More instalments, lower instalment, more interest
A longer plan lowers the instalment but raises the interest, because the debt stays open longer. On the same €6,000, the estimate changes like this:
| Instalments | Estimated instalment | Total interest | Last due date |
|---|---|---|---|
| 6 | €1,012.51 | €75.07 | 31 May 2027 |
| 18 | €347.65 | €257.74 | 31 May 2029 |
| 36 | €181.62 | €538.41 | 31 May 2032 |
| 54 | €126.43 | €827.16 | 31 May 2035 |
The number of instalments was chosen in the application, which closed on 30 April 2026, and cannot be changed afterwards. To cut the interest you can only pay some instalments early, or keep fewer bills in the plan through the ContiTu service described in the FAQs, which recalculates the instalments on the bills that remain.
What the instalment interest costs
Interest over 27 instalments
€1,323.60
| Estimated instalment | €789.76 |
| Interest with 54 instalments | €2,757.21 |
| Single payment | no interest |
Where the official amount is shown
The statement of sums due shows the total, plus the amount and due date of each instalment, with the payment forms. If you applied in the reserved area you find it only there; if you applied through the public area it was also sent by PEC or post. If the amount on the forms differs from the estimate on this page, the forms prevail: the law sets the rate and start date, not the way days are counted. The dates, however, are the same for everyone and are on the due dates page; the rule on missed instalments is in the lapse check. Texts reread on 26 October 2026.