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。
Overview
An equated monthly installment keeps the payment constant across the loan term while the split between interest and principal shifts. The standard annuity formula derives the payment from principal, monthly rate and term, and every scheduled instalment is identical from the first to the last.
月々の返済額（EMI）
総支払額
利息合計
利息割合
%
EMI計算式
EMI = equated monthly installment
P = loan amount (principal)
r = monthly interest rate (annual rate / 12 / 100)
n = number of monthly installments
How to Use
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1
Enter the loan details
Type the principal amount, annual interest rate, and loan tenure in months or years.
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2
Review the monthly EMI
The equated monthly installment is calculated instantly using the standard reducing-balance formula.
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3
Inspect the amortization schedule
See the full month-by-month breakdown of principal, interest, and remaining balance.
About
Early payments are dominated by interest because interest accrues on the outstanding balance, which is largest at the start. On a twenty-year loan at typical rates, the first payment can be more than three-quarters interest, while the final payment is almost entirely principal. That front-loading is why an early prepayment reduces total interest far more than the same amount paid near the end.
An amortisation schedule makes the arithmetic explicit, listing the interest, principal and remaining balance for each period. Total interest paid is the sum of all instalments minus the original principal, a figure typically far larger than borrowers estimate from the headline rate alone.