Loan repayment (installments)

Build an amortization schedule with equal-payment, equal-principal, rate changes, payment frequency, and grace periods.

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Calculation basis and official references

Reviewed on:

Formula basis

Equal-payment mortgage is computed with principal plus interest as the repeating payment; principal-equal schedules use equal principal and calculate the varying interest and remaining balance each period.

Calculation method

This estimate applies standard principal-and-interest and principal-only repayment schedules to monthly loan repayment in Japan using user-specified amount, term, interest rate, and frequency.

Exclusions and checks required

  • Actual bank terms can change fees, interest type, guarantee premiums, or bonus treatment from the default model.
  • Changes in variable-rate reviews, early repayment, arrears handling, and institution-specific rounding are not represented in a full official statement.
  • Displayed amounts do not guarantee approval amount, credit decision, or contract terms.

Example input:：Borrowing 30,000,000 JPY over 35 years at 1.5%

principalYen
30000000
termYears
35
annualRatePercent
1.5
repaymentType
Equal-principal-and-interest
frequency
Monthly
bonusRepaymentYen
0

The installment amount and total interest are rough estimates based on the selected rates and rounding, and may differ from lender schedules.

Official references

FAQ

Who is this calculator for?

Build an amortization schedule with equal-payment, equal-principal, rate changes, payment frequency, and grace periods.

What values should I enter?

Applies to: Loan repayment / Annuity payment: PMT = P × i ÷ (1 − (1+i)^−n)

How should I interpret this estimate?

This estimate applies standard principal-and-interest and principal-only repayment schedules to monthly loan repayment in Japan using user-specified amount, term, interest rate, and frequency.

How to use

  1. Enter your input values and press Calculate.
  2. Review the result and compare it with expected context.
  3. Annuity payment: PMT = P × i ÷ (1 − (1+i)^−n)

Official references