대출 계산기
대출 금액, 이자율, 기간을 입력하면 월 상환액을 확인할 수 있습니다.
Monthly payment (first)—
Total payment—
Total interest—
Number of payments—
Principal vs interest split
Principal 50%
Interest 50%
기능
Monthly payment calculation
Total interest and total cost
Equal monthly payment (annuity)
Equal principal repayment
Full amortization schedule
Interactive payment chart
사용 방법
1. 대출 금액, 연 이자율, 대출 기간을 입력하세요.
2. 상환 방식을 선택하세요.
3. 오른쪽에 요약 정보가 실시간으로 업데이트됩니다.
4. '상환 일정 보기'를 클릭하면 상세 내역을 확인할 수 있습니다.
자주 묻는 질문
What is the difference between equal monthly payment and equal principal?
Equal monthly payment (annuity) means the same total payment every month — early payments are mostly interest, later ones mostly principal. Equal principal means you pay the same principal every month, so total payments start high and decrease.
Does this account for taxes or insurance?
No. This calculator focuses on principal and interest only. For full mortgage costs, add property tax, insurance, and HOA fees separately.