백분율 계산기
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계산기
대출 상환 계산기
월 상환액과 대출 이자를 추정합니다.
통화: KRW · 금액은 이 통화로 표시되며 환율 변환은 하지 않습니다.
입력한 금리와 표시된 공식을 사용합니다. 수수료와 세금은 제외됩니다.
입력 정보
UtilBrix 제공결과
월 상환액
₩24,797
- 원금
- ₩2,000,000
- 총 이자
- ₩975,657
- 총 상환액
- ₩2,975,657
원금 · 67.2%이자 · 32.8%
EMI = P × r / [1 − (1 + r)⁻ⁿ], where r is the monthly rate.
상환 일정
Remaining balance over the loan tenure
| 년 | 기초 잔액 | 상환액 | 원금 | 이자 | 기말 잔액 |
|---|---|---|---|---|---|
| 1 | ₩2,000,000 | ₩297,566 | ₩132,655 | ₩164,911 | ₩1,867,345 |
| 2 | ₩1,867,345 | ₩297,566 | ₩144,380 | ₩153,186 | ₩1,722,965 |
| 3 | ₩1,722,965 | ₩297,566 | ₩157,142 | ₩140,424 | ₩1,565,823 |
| 4 | ₩1,565,823 | ₩297,566 | ₩171,032 | ₩126,534 | ₩1,394,791 |
| 5 | ₩1,394,791 | ₩297,566 | ₩186,150 | ₩111,416 | ₩1,208,642 |
| 6 | ₩1,208,642 | ₩297,566 | ₩202,603 | ₩94,962 | ₩1,006,038 |
| 7 | ₩1,006,038 | ₩297,566 | ₩220,512 | ₩77,054 | ₩785,527 |
| 8 | ₩785,527 | ₩297,566 | ₩240,003 | ₩57,563 | ₩545,523 |
| 9 | ₩545,523 | ₩297,566 | ₩261,217 | ₩36,349 | ₩284,306 |
| 10 | ₩284,306 | ₩297,566 | ₩284,306 | ₩13,259 | ₩0 |
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자세한 방법과 예시는 영어로 제공됩니다.
Step-by-step instructions (English)
- Enter the principal you intend to borrow and the annual interest rate.
- Enter the repayment term and select months or years.
- Calculate, then compare the monthly payment, total interest, and repayment schedule.
- Change one input at a time to see how the term or rate affects the estimate.
공식 및 방법
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.
실용 예시
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)
Why can a longer term cost more despite a lower EMI?
Spreading repayment over more months reduces each installment but leaves principal outstanding longer. At the same positive interest rate, that normally increases total interest in this model.
What happens at zero interest?
The monthly payment becomes the loan amount divided by the number of monthly payments. Any lender fees still need to be considered separately.
These figures are estimates for information only, not financial or tax advice. Actual terms, fees, rates, and returns can differ. Read the financial disclaimer.