Enter the loan conditions
yen
%
years
Monthly payment
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Amortization schedule (yearly)
| Year | Paid | Principal | Interest | Balance |
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How to use the loan calculator
When considering a mortgage or car loan, "how much per month?" and "how much interest in total?" matter. Enter the amount, rate and term to see the monthly payment, total repayment and interest, plus a yearly amortization schedule breaking down principal and interest.
How to use it
Enter the loan amount, annual rate (APR) and term. The method is the equal-payment (amortizing) loan, where the monthly amount stays constant. The schedule shows how interest dominates early payments while principal grows later on.
See the effect of the rate
Try different rates and terms to see how total interest changes. Real loans add fees, guarantee costs, rate changes and insurance, so this result is an estimate. Confirm the actual payment with your lender's terms.
Frequently asked questions
How is the monthly payment calculated?+
Using the equal-payment (amortizing) formula: payment = P × r × (1+r)^n / ((1+r)^n − 1), where r is the monthly rate (annual/12) and n is months (years × 12).
At 0% it is P / n.
At 0% it is P / n.
What is the difference from an equal-principal loan?+
Equal-payment keeps the monthly amount constant and is easy to budget. Equal-principal repays a fixed principal each month and tends to have lower total interest.
This tool uses the equal-payment method.
This tool uses the equal-payment method.
Can it handle extra or lump-sum payments?+
No. This tool does not model prepayments or bonus payments.
Use it for a basic monthly-repayment estimate.
Use it for a basic monthly-repayment estimate.
Will the figures match my actual payments?+
No. Real loans include fees, guarantee costs, rate changes and rounding.
This is an estimate assuming a fixed rate and no fees.
This is an estimate assuming a fixed rate and no fees.
Are my inputs stored?+
No. All calculation happens in your browser, and the values you enter are never sent to or stored on a server.
Formula
・Monthly payment (equal-payment) = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) (P = amount, r = monthly rate = annual/12, n = months = years×12)
・At 0% rate = P / n
・Total repayment = payment × n / Total interest = total − P
・An estimate assuming a fixed rate, no fees and monthly equal payments.
・Monthly payment (equal-payment) = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) (P = amount, r = monthly rate = annual/12, n = months = years×12)
・At 0% rate = P / n
・Total repayment = payment × n / Total interest = total − P
・An estimate assuming a fixed rate, no fees and monthly equal payments.
Please note
This site does not represent any financial institution and does not solicit or advise on loans. It does not guarantee accuracy, and actual screening, rates, fees, guarantee costs and payments will differ. Always confirm the lender's formal terms before signing.
This site does not represent any financial institution and does not solicit or advise on loans. It does not guarantee accuracy, and actual screening, rates, fees, guarantee costs and payments will differ. Always confirm the lender's formal terms before signing.