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Loan Prepayment Simulator

Simulate interest savings and term reduction from mortgage prepayments. Compare term-shortening and payment-reduction methods.

Loan Info

JPY
%
years

Prepayment Info

JPY
month

Before Prepayment

Monthly Payment91,855JPY
Total Interest8,579,289JPY
Payment Count420times

After Prepayment

Monthly Payment91,855JPY
Total Interest5,689,152JPY
Payment Count335times

Effect

Interest Saved2,890,137JPY
Months Saved85months

How to Use

Enter the loan amount, interest rate, and loan term, then select the prepayment amount, timing, and method. "Term shortening" keeps the monthly payment the same while shortening the loan term. "Payment reduction" keeps the term the same while reducing the monthly payment.

About the Formula

Based on the equal payment method, the simulation calculates monthly results when a prepayment is made at the specified month. For term shortening, the prepayment is subtracted from the balance and the payoff date is calculated at the same monthly payment. For payment reduction, the prepayment is subtracted from the balance and a new monthly payment is recalculated for the remaining term.

よくある質問

期間短縮型と返済額軽減型の違いは何ですか？
期間短縮型は毎月の返済額を変えずに返済期間を短縮する方式で、利息軽減効果が大きいです。返済額軽減型は返済期間を変えずに毎月の返済額を減らす方式で、家計の負担を軽減できます。
繰上返済はいつ行うのが効果的ですか？
一般的に、返済開始から早い時期に行うほど利息軽減効果が大きくなります。これは返済初期ほど利息の割合が高いためです。
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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