ローン返済額計算機
あらゆるローンの均等月払い返済額（EMI）を計算します。
月々の返済額（EMI）
総支払額
利息合計
利息割合
%
元金:
利息:
元金 (%)
利息 (%)
EMI計算式
EMI = P × r × (1+r)n / ((1+r)n - 1)
EMI = equated monthly installment
P = loan amount (principal)
r = monthly interest rate (annual rate / 12 / 100)
n = number of monthly installments
Frequently Asked Questions
What is EMI and how is it calculated?
EMI (Equated Monthly Installment) is a fixed monthly payment that includes both principal and interest. The formula is EMI = P × r × (1+r)^n / ((1+r)^n – 1), where P is the principal, r is the monthly interest rate, and n is the number of months.
How does loan tenure affect EMI and total interest?
A longer tenure reduces your monthly EMI but increases total interest paid. For example, a $200,000 loan at 6% costs $1,199/month over 30 years (total interest: $231,640) versus $1,933/month over 15 years (total interest: $147,940).
What is an amortization schedule?
An amortization schedule shows how each EMI payment is split between principal and interest over the life of the loan. In early years, most of each payment goes toward interest. As the loan matures, a larger portion goes toward reducing the principal balance.