모기지 계산기
월별 모기지 상환액과 상환 일정 계산
월 상환액
$1,896.20
총 상환액
$682,633.47
총 이자
$382,633.47
원금
43.9%
이자
56.1%
다음 단계
관련된 다음 작업으로 흐름을 이어가세요.
Privacy & Trust
월 상환액
See the monthly commitment before reviewing the full amortization table.
상환 일정
Switch between a stacked chart and full payment schedule without leaving the workspace.
총 이자
56.1% of total payments go to interest.
계산
Copy or export the current mortgage summary.
사용 방법
값 입력
입력 필드에 숫자나 매개변수를 입력하세요.
즉시 결과 확인
입력하는 즉시 결과가 자동으로 업데이트됩니다 — 제출 버튼이 필요 없습니다.
복사 또는 저장
결과를 클립보드에 복사하거나 작업 흐름에 활용하세요.
이 도구를 사용하는 이유
100% 무료
숨겨진 비용도, 프리미엄 등급도 없습니다 — 모든 기능이 무료입니다.
설치 불필요
브라우저에서 완전히 실행됩니다. 소프트웨어를 다운로드하거나 설치할 필요가 없습니다.
프라이빗 & 안전
데이터가 기기 밖으로 나가지 않습니다. 어떤 서버에도 업로드되지 않습니다.
모바일 지원
완전 반응형 — 스마트폰, 태블릿, 데스크톱에서 사용할 수 있습니다.
A mortgage is one of the largest financial commitments most people make. Understanding how mortgage payments work helps you choose the right loan and save thousands over its lifetime.
Key Concepts
Amortization
Early payments go mostly toward interest, with the principal portion growing over time. Understanding this schedule helps you see the true cost of your loan.
Down Payment
A larger down payment reduces your loan amount, lowers monthly payments, and may help you avoid private mortgage insurance (PMI), typically required when paying less than 20% down.
Fixed vs. Variable Rate
Fixed-rate mortgages lock in your interest rate for the full term, offering predictability. Variable-rate mortgages may start lower but can fluctuate with the market.
Loan Term
Shorter terms (e.g. 15 years) have higher monthly payments but cost significantly less in total interest compared to longer terms (e.g. 30 years).
Practical Tips
Keep your total housing costs (mortgage, taxes, insurance) below 28% of your gross monthly income.
Compare offers from multiple lenders — even a 0.25% rate difference can save tens of thousands over the life of the loan.
Consider making extra payments toward principal when possible to shorten your loan term and reduce total interest.
Factor in closing costs, property taxes, insurance, and maintenance when budgeting for a home — the mortgage payment is only part of the total cost.
This content is for educational purposes only and does not constitute financial advice. Consult a qualified financial advisor or mortgage professional before making borrowing decisions.