TToolspot

Mortgage Calculator

Calculate monthly payments, total payments, and total interest for mortgages with equal payment or equal principal methods.

Input

JPY
%
years

Result

First Month Payment91,855JPY
Total Payment38,579,289JPY
Total Interest8,579,289JPY
Monthly Payment420times

How to Use

Enter the loan amount (principal), annual interest rate, and loan term (years), then select the repayment method. Monthly payment, total payment, and total interest are calculated automatically. Equal payment keeps the monthly amount constant; equal principal keeps the principal portion constant with gradually decreasing interest.

About the Formula

For equal payment: "Monthly payment = Loan amount x monthly rate x (1 + monthly rate)^n / ((1 + monthly rate)^n - 1)". For equal principal: the monthly principal is divided equally and interest is added based on the remaining balance. Bonus payments and prepayments are not supported — use this as a guide.

よくある質問

ボーナス返済には対応していますか？
現在のバージョンではボーナス返済には対応しておりません。毎月均等返済での計算となります。
変動金利と固定金利どちらで計算すべきですか？
本ツールでは入力した金利で固定して計算します。変動金利の場合は、現在の適用金利を入力して目安としてご利用ください。将来の金利変動リスクについてはファイナンシャルプランナーにご相談ください。
計算結果と実際の返済額が異なる場合がありますか？
はい。本ツールの計算結果は概算です。実際の返済額は金融機関の端数処理方法、保証料、団信保険料などにより異なる場合があります。
入力データはサーバーに送信されますか？
いいえ。すべての計算はお使いのブラウザ上で行われ、入力データが外部サーバーに送信されることはありません。安心してご利用ください。
スマートフォンでも使えますか？
はい。レスポンシブデザインに対応しており、スマートフォン・タブレット・PCなどあらゆるデバイスで快適にご利用いただけます。

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