About This Tool
What is Loan Repayment Calculator?
A tool that calculates loan repayment schedules for both equal payment (amortized) and equal principal methods. Enter loan amount, interest rate, and term to see monthly payments, total repayment, and total interest.
How to Use
- Enter the loan amount.
- Enter the annual interest rate (%).
- Enter the repayment period (months).
- Select repayment type (equal payment/equal principal) and calculate.
Key Features
- Equal payment / equal principal repayment methods
- Monthly repayment schedule display
- Total payment and total interest calculation
- Monthly principal/interest ratio breakdown
Tips
- Equal payment maintains the same monthly amount, making budgeting easier.
- Equal principal has higher initial payments but less total interest, better long-term.
- A 1% interest rate difference over 30 years can mean tens of thousands in total interest difference.
Loan Repayment Calculator
Calculate loan repayment schedule with equal payment or equal principal
Frequently Asked Questions
元利均等返済と元金均等返済の違いは何ですか？▼
元利均等返済は毎月の支払額を一定に保ちます — 初期は利息が多く、徐々に元金比率が増えます。元金均等返済は毎月同額の元金と減少する利息を支払うため、支払額は高く始まり徐々に減少します。元金均等返済の方が総利息支払額が少なくなります。
元利均等返済の月々の支払いはどう計算されますか？▼
年金の方程式を使用：M = P × [r(1+r)^n] / [(1+r)^n - 1]。Mは月々の支払い、Pは元金、rは月利（年利/12）、nは総支払回数です。これにより期間終了時にローンが完済されることが保証されます。
ローン期間は短い方と長い方のどちらが良いですか？▼
短い期間は月々の支払いが高くなりますが、総利息が大幅に少なくなります。長い期間は月々の支払いを減らしますが、総利息が大幅に増加します。例：20万ドルの5%：15年は利息82,860ドル、30年は186,512ドル — 2倍以上。無理なく支払える月額に基づいて選択してください。