Loan Calculator

Calculate loan payments, total interest, and amortization schedules. Perfect for mortgages, auto loans, and personal loans.

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Loan Calculator

Calculate loan payments, total interest, and amortization schedules. Perfect for mortgages, auto loans, and personal loans.

🏦 Loan Details
¥
¥
20.0% of home price
%
Monthly Payment

￥110,438

Total Interest

￥7,757,848

Total Cost

￥47,757,848

Loan-to-Value

80.0%

📋 Loan Breakdown
Home Price / Loan Amount:
￥40,000,000
Down Payment:
￥8,000,000 (20.0%)
Loan Amount:
￥32,000,000
Total of Payments:
￥39,757,848
Total Interest Paid:
￥7,757,848
Payoff Date:
7/21/2055
📊 Payment Breakdown
Principal Portion

80.5%

￥32,000,000
Interest Portion

19.5%

￥7,757,848
📅 Amortization Schedule
Payment #PrincipalInterestBalance
1￥70,438￥40,000￥31,929,562
2￥70,527￥39,912￥31,859,035
3￥70,615￥39,824￥31,788,420
4￥70,703￥39,736￥31,717,717
5￥70,791￥39,647￥31,646,926
6￥70,880￥39,559￥31,576,046
7￥70,968￥39,470￥31,505,078
8￥71,057￥39,381￥31,434,021
9￥71,146￥39,293￥31,362,875
10￥71,235￥39,204￥31,291,640
11￥71,324￥39,115￥31,220,316
12￥71,413￥39,025￥31,148,903
13￥71,502￥38,936￥31,077,401
14￥71,592￥38,847￥31,005,809
15￥71,681￥38,757￥30,934,128
16￥71,771￥38,668￥30,862,357
17￥71,861￥38,578￥30,790,496
18￥71,950￥38,488￥30,718,546
19￥72,040￥38,398￥30,646,506
20￥72,130￥38,308￥30,574,375
21￥72,220￥38,218￥30,502,155
22￥72,311￥38,128￥30,429,844
23￥72,401￥38,037￥30,357,443
24￥72,492￥37,947￥30,284,951
25￥72,582￥37,856￥30,212,369
26￥72,673￥37,765￥30,139,696
27￥72,764￥37,675￥30,066,932
28￥72,855￥37,584￥29,994,077
29￥72,946￥37,493￥29,921,131
30￥73,037￥37,401￥29,848,094
31￥73,128￥37,310￥29,774,966
32￥73,220￥37,219￥29,701,746
33￥73,311￥37,127￥29,628,435
34￥73,403￥37,036￥29,555,032
35￥73,495￥36,944￥29,481,537
36￥73,587￥36,852￥29,407,951
37￥73,679￥36,760￥29,334,272
38￥73,771￥36,668￥29,260,502
39￥73,863￥36,576￥29,186,639
40￥73,955￥36,483￥29,112,684
41￥74,048￥36,391￥29,038,636
42￥74,140￥36,298￥28,964,496
43￥74,233￥36,206￥28,890,263
44￥74,326￥36,113￥28,815,937
45￥74,419￥36,020￥28,741,519
46￥74,512￥35,927￥28,667,007
47￥74,605￥35,834￥28,592,403
48￥74,698￥35,741￥28,517,705
49￥74,791￥35,647￥28,442,913
50￥74,885￥35,554￥28,368,029
51￥74,978￥35,460￥28,293,050
52￥75,072￥35,366￥28,217,978
53￥75,166￥35,272￥28,142,812
54￥75,260￥35,179￥28,067,552
55￥75,354￥35,084￥27,992,198
56￥75,448￥34,990￥27,916,750
57￥75,543￥34,896￥27,841,207
58￥75,637￥34,802￥27,765,570
59￥75,732￥34,707￥27,689,839
60￥75,826￥34,612￥27,614,013
61￥75,921￥34,518￥27,538,092
62￥76,016￥34,423￥27,462,076
63￥76,111￥34,328￥27,385,965
64￥76,206￥34,232￥27,309,759
65￥76,301￥34,137￥27,233,458
66￥76,397￥34,042￥27,157,061
67￥76,492￥33,946￥27,080,569
68￥76,588￥33,851￥27,003,981
69￥76,683￥33,755￥26,927,298
70￥76,779￥33,659￥26,850,518
71￥76,875￥33,563￥26,773,643
72￥76,971￥33,467￥26,696,671
73￥77,068￥33,371￥26,619,604
74￥77,164￥33,275￥26,542,440
75￥77,260￥33,178￥26,465,179
76￥77,357￥33,081￥26,387,822
77￥77,454￥32,985￥26,310,369
78￥77,551￥32,888￥26,232,818
79￥77,647￥32,791￥26,155,171
80￥77,745￥32,694￥26,077,426
81￥77,842￥32,597￥25,999,585
82￥77,939￥32,499￥25,921,646
83￥78,036￥32,402￥25,843,609
84￥78,134￥32,305￥25,765,475
85￥78,232￥32,207￥25,687,244
86￥78,329￥32,109￥25,608,914
87￥78,427￥32,011￥25,530,487
88￥78,525￥31,913￥25,451,962
89￥78,624￥31,815￥25,373,338
90￥78,722￥31,717￥25,294,616
91￥78,820￥31,618￥25,215,796
92￥78,919￥31,520￥25,136,877
93￥79,017￥31,421￥25,057,860
94￥79,116￥31,322￥24,978,744
95￥79,215￥31,223￥24,899,529
96￥79,314￥31,124￥24,820,215
97￥79,413￥31,025￥24,740,802
98￥79,512￥30,926￥24,661,289
99￥79,612￥30,827￥24,581,677
100￥79,711￥30,727￥24,501,966
101￥79,811￥30,627￥24,422,155
102￥79,911￥30,528￥24,342,244
103￥80,011￥30,428￥24,262,233
104￥80,111￥30,328￥24,182,123
105￥80,211￥30,228￥24,101,912
106￥80,311￥30,127￥24,021,601
107￥80,411￥30,027￥23,941,189
108￥80,512￥29,926￥23,860,677
109￥80,613￥29,826￥23,780,065
110￥80,713￥29,725￥23,699,351
111￥80,814￥29,624￥23,618,537
112￥80,915￥29,523￥23,537,622
113￥81,016￥29,422￥23,456,605
114￥81,118￥29,321￥23,375,488
115￥81,219￥29,219￥23,294,269
116￥81,321￥29,118￥23,212,948
117￥81,422￥29,016￥23,131,526
118￥81,524￥28,914￥23,050,002
119￥81,626￥28,813￥22,968,376
120￥81,728￥28,710￥22,886,648
Showing first 120 payments
💡 How to Use
  • Enter the total price or loan amount
  • Set your down payment amount
  • Input the annual interest rate
  • Choose the loan term (15, 20, 25, or 30 years)
🧮 Formula
Monthly Payment:
M = P × [r(1+r)^n] / [(1+r)^n - 1]

Variables:
M = Monthly payment
P = Loan principal (amount borrowed)
r = Monthly interest rate (annual rate ÷ 12)
n = Total number of payments (years × 12)