Maximum loan amount

Estimate the principal you can afford from monthly and bonus payment capacity using equal-payment annuities.

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Calculation specification

Reviewed on:

Formula basis

Monthly PV=M×{1−(1+i_m)^−12y}/i_m and bonus PV=B×{1−(1+i_b)^−2y}/i_b. For annual-rate input i_m=r/12 and i_b=r/2; for monthly-rate input i_m=r and i_b=6r, so the monthly input is converted to a semiannual rate by multiplying by 6.

Calculation method

Converts an affordable monthly payment and semiannual bonus payment into present values at the entered rate and term, multiplying a monthly-rate input by 6 to obtain the semiannual rate, then adds them as estimated borrowing capacity.

Exclusions and checks required

  • This is a payment-only present-value calculation; it does not assess income, debts, age, collateral, or underwriting policy.
  • Bonus payments are fixed semiannual amounts without a selectable first month.
  • The output is neither a recommended debt level nor an approval amount.

Example input:：JPY 100,000 monthly plus JPY 200,000 semiannually for 35 years

rate
1.5
rateType
annual
years
35
monthlyPaymentMan
10
bonusPaymentMan
20
rounding
floor

The rounded present value does not measure household affordability or lending eligibility.

FAQ

Who is this calculator for? Maximum loan amount

Estimate the principal you can afford from monthly and bonus payment capacity using equal-payment annuities.

What values should I enter?

Applies to: Reverse calculation

How should I interpret this estimate?

Converts an affordable monthly payment and semiannual bonus payment into present values at the entered rate and term, multiplying a monthly-rate input by 6 to obtain the semiannual rate, then adds them as estimated borrowing capacity.

How to use

  1. Enter your input values and press Calculate.
  2. Review the result and compare it with expected context.
  3. Monthly PV=M×{1−(1+i_m)^−12y}/i_m and bonus PV=B×{1−(1+i_b)^−2y}/i_b. For annual-rate input i_m=r/12 and i_b=r/2; for monthly-rate input i_m=r and i_b=6r, so the monthly input is converted to a semiannual rate by multiplying by 6.