ローン返済計算

Step-by-step instructions (English)

1. Enter the principal you intend to borrow and the annual interest rate.
2. Enter the repayment term and select months or years.
3. Calculate, then compare the monthly payment, total interest, and repayment schedule.
4. Change one input at a time to see how the term or rate affects the estimate.

計算式と方法

The reducing-balance formula is EMI = P × r ÷ [1 − (1 + r)⁻ⁿ]. P is principal, r is the annual percentage rate divided by 1,200, and n is the number of monthly payments. At zero interest, EMI equals principal divided by months. Each schedule row allocates interest on the opening balance and applies the remainder to principal.

使用例

For a 100,000 currency units loan at 12% annually over 12 months, the monthly payment is approximately 8,884.88 currency units. Fees, insurance, and lender rounding are excluded.

When this tool is useful

Compare fixed-rate repayment scenarios before discussing a loan with a lender. The schedule separates interest from principal, helping explain why early payments typically reduce the balance more slowly than later payments.

Common mistakes and limitations

• The calculation uses a reducing balance, not a flat-rate interest quotation.
• Fees, insurance, variable-rate resets, missed payments, and lender-specific rounding are outside this model.

Practical questions about this tool (English)