ローン / EMI 計算機
各種ローンのEMI返済額を計算
$1,580.17
月々のEMI
$568,861.22
総返済額
$318,861.22
総利息
| # | 月々のEMI | 元金 | 利息 | Balance |
|---|---|---|---|---|
| 1 | $1,580.17 | $226.00 | $1,354.17 | $249,774.00 |
| 2 | $1,580.17 | $227.23 | $1,352.94 | $249,546.77 |
| 3 | $1,580.17 | $228.46 | $1,351.71 | $249,318.31 |
| 4 | $1,580.17 | $229.70 | $1,350.47 | $249,088.61 |
| 5 | $1,580.17 | $230.94 | $1,349.23 | $248,857.67 |
| 6 | $1,580.17 | $232.19 | $1,347.98 | $248,625.48 |
| 7 | $1,580.17 | $233.45 | $1,346.72 | $248,392.04 |
| 8 | $1,580.17 | $234.71 | $1,345.46 | $248,157.32 |
| 9 | $1,580.17 | $235.98 | $1,344.19 | $247,921.34 |
| 10 | $1,580.17 | $237.26 | $1,342.91 | $247,684.07 |
| 11 | $1,580.17 | $238.55 | $1,341.62 | $247,445.53 |
| 12 | $1,580.17 | $239.84 | $1,340.33 | $247,205.69 |
使い方
値を入力
入力フィールドに数値やパラメータを入力します。
即座に結果を取得
入力するとすぐに結果が更新されます — 送信ボタンは不要です。
コピーまたは保存
結果をクリップボードにコピーするか、ワークフローで活用します。
このツールを使う理由
完全無料
隠れたコストもプレミアムプランもありません — すべての機能が無料です。
インストール不要
すべてブラウザで実行されます。ソフトウェアのダウンロードやインストールは不要です。
プライベート＆安全
データはデバイスの外に出ることはありません。サーバーにアップロードされることはありません。
モバイル対応
完全レスポンシブ対応 — スマートフォン、タブレット、デスクトップで利用できます。
Understanding loan mechanics helps you borrow responsibly and compare options effectively. Whether it's a personal loan, car loan, or student loan, knowing the math behind repayment keeps you in control.
Key Concepts
APR vs. Interest Rate
The Annual Percentage Rate (APR) includes fees and other costs, making it a more accurate measure of a loan's true cost than the base interest rate alone.
Total Cost of Borrowing
A lower monthly payment doesn't always mean a cheaper loan. Longer loan terms reduce monthly payments but increase the total interest paid over the life of the loan.
Debt-to-Income Ratio
Lenders use your DTI ratio (monthly debt payments divided by gross income) to assess creditworthiness. Keeping it below 36% is generally recommended.
Prepayment
Paying more than the minimum or making extra payments can significantly reduce your total interest. Check if your loan has prepayment penalties before doing so.
Practical Tips
Always compare the total cost of the loan (not just the monthly payment) when evaluating different loan offers.
Prioritize paying off high-interest debt first — this is known as the avalanche method and saves the most money.
Maintain an emergency fund before aggressively paying down debt to avoid needing to borrow again in a crisis.
Read the fine print for fees, penalties, and variable rate clauses before signing any loan agreement.
This content is for educational purposes only and does not constitute financial advice. Consult a qualified financial advisor before making borrowing decisions.