Калькулятор процентов
Проценты, изменения и разница значений.
Калькуляторы
Калькулятор платежей по кредиту
Ежемесячный платёж и проценты по кредиту.
Валюта: RUB · Суммы указаны в этой валюте. Пересчёт по курсу не выполняется.
Используются введённые ставки и указанная формула. Комиссии и налоги не учтены.
Ваши данные
Работает на UtilBrixВаш результат
Ежемесячный платёж
24 797,14 ₽
- Основная сумма
- 2 000 000,00 ₽
- Всего процентов
- 975 656,53 ₽
- Общая сумма платежей
- 2 975 656,53 ₽
Основная сумма · 67,2%Проценты · 32,8%
EMI = P × r / [1 − (1 + r)⁻ⁿ], where r is the monthly rate.
График погашения
Remaining balance over the loan tenure
| Год | Начальный остаток | Платёж | Основная сумма | Проценты | Конечный остаток |
|---|---|---|---|---|---|
| 1 | 2 000 000,00 ₽ | 297 565,65 ₽ | 132 654,63 ₽ | 164 911,02 ₽ | 1 867 345,37 ₽ |
| 2 | 1 867 345,37 ₽ | 297 565,65 ₽ | 144 380,09 ₽ | 153 185,56 ₽ | 1 722 965,27 ₽ |
| 3 | 1 722 965,27 ₽ | 297 565,65 ₽ | 157 141,98 ₽ | 140 423,67 ₽ | 1 565 823,29 ₽ |
| 4 | 1 565 823,29 ₽ | 297 565,65 ₽ | 171 031,90 ₽ | 126 533,75 ₽ | 1 394 791,39 ₽ |
| 5 | 1 394 791,39 ₽ | 297 565,65 ₽ | 186 149,57 ₽ | 111 416,08 ₽ | 1 208 641,82 ₽ |
| 6 | 1 208 641,82 ₽ | 297 565,65 ₽ | 202 603,50 ₽ | 94 962,16 ₽ | 1 006 038,32 ₽ |
| 7 | 1 006 038,32 ₽ | 297 565,65 ₽ | 220 511,80 ₽ | 77 053,85 ₽ | 785 526,52 ₽ |
| 8 | 785 526,52 ₽ | 297 565,65 ₽ | 240 003,04 ₽ | 57 562,61 ₽ | 545 523,48 ₽ |
| 9 | 545 523,48 ₽ | 297 565,65 ₽ | 261 217,13 ₽ | 36 348,52 ₽ | 284 306,35 ₽ |
| 10 | 284 306,35 ₽ | 297 565,65 ₽ | 284 306,35 ₽ | 13 259,31 ₽ | 0,00 ₽ |
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Подробные методы и примеры доступны на английском.
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.
Формула и метод
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.
Практический пример
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.