Loan & Mortgage Calculator
Compare equal-payment and equal-principal loans with monthly schedules, interest totals, and prepayment savings. All local.
This tool runs entirely in your browser. Your input is never uploaded.
Equal payment (annuity)
fixed monthly¥ 4,546.45
- Total interest
- ¥ 636,724.27
- Total repaid
- ¥ 1,636,724.27
- Interest share
- 39%
First payment ¥4,546.45 → last ¥4,548.72
Equal principal (straight-line)
decreasing monthly¥ 5,777.78
- Total interest
- ¥ 541,499.64
- Total repaid
- ¥ 1,541,499.64
- Interest share
- 35%
First payment ¥5,777.78 → last ¥2,785.31
Repayment schedule (360)
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 4,546.45 | 1,546.45 | 3,000.00 | 998,453.55 |
| 2 | 4,546.45 | 1,551.09 | 2,995.36 | 996,902.46 |
| 3 | 4,546.45 | 1,555.74 | 2,990.71 | 995,346.72 |
| 4 | 4,546.45 | 1,560.41 | 2,986.04 | 993,786.31 |
| 5 | 4,546.45 | 1,565.09 | 2,981.36 | 992,221.22 |
| 6 | 4,546.45 | 1,569.79 | 2,976.66 | 990,651.43 |
| 7 | 4,546.45 | 1,574.50 | 2,971.95 | 989,076.93 |
| 8 | 4,546.45 | 1,579.22 | 2,967.23 | 987,497.71 |
| 9 | 4,546.45 | 1,583.96 | 2,962.49 | 985,913.75 |
| 10 | 4,546.45 | 1,588.71 | 2,957.74 | 984,325.04 |
| 11 | 4,546.45 | 1,593.47 | 2,952.98 | 982,731.57 |
| 12 | 4,546.45 | 1,598.26 | 2,948.19 | 981,133.31 |
Two repayment methods, side by side
Enter a loan amount, annual rate, and term to see the two standard amortization methods at once: equal payment (annuity — the same amount every month) and equal principal (straight-line — a decreasing payment, fixed principal share). Each summary card shows the monthly payment, total interest, total repaid, and the interest share of every yuan you pay back.
A 30-year loan at 3.6% shows the classic trade-off immediately: the straight-line schedule starts higher but repays noticeably less interest overall.
Full repayment schedule
Every month is broken into payment, principal, interest, and remaining balance. The table starts with the first 12 months and expands to the full schedule on demand. Switch the display to a single method when you have already decided.
Prepayment simulation
Enable the prepayment panel to model a one-time extra payment at any month. Choose whether it should shorten the term (keep the monthly payment, finish earlier) or reduce the monthly payment (keep the term, pay less each month) — the calculator recomputes the schedule and reports the interest saved, months saved, or the new payment.
All math runs locally in your browser; no loan details are stored or uploaded.
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