個人ローンや自動車ローンの月額返済、総利息、期間を計算。
左側にローンのパラメータを入力し、「ローンを計算」をクリックして結果を表示
We calculate the principal by subtracting your down payment from the total loan amount.
Using the principal, interest rate, and term, we calculate your fixed monthly payment.
Each payment is split between principal and interest, with early payments going more toward interest.
個人ローン1万ドル・5年の場合：
| APR | 月々の返済 | 総利息 | 総支払額 |
|---|---|---|---|
| 5.0% | 188ドル | 1,322ドル | 11,322ドル |
| 7.0% | 198ドル | 1,873ドル | 11,873ドル |
| 10.0% | 212ドル | 2,748ドル | 12,748ドル |
個人ローンの典型的なAPR：6〜12%。自動車ローン：5〜9%。ディーラーの0%金利は非常に高い信用格付けのみ。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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FAQ
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A loan payment calculator is a free tool that estimates the monthly payment, total interest, and total cost for any fixed-rate installment loan. Our loan payment calculator works for personal loans, mortgages, auto loans, and student loans. The loan payment calculator shows the full amortization schedule and total interest paid over the life of the loan.
How it works
Our loan payment calculator estimates your monthly payment, total interest, and full repayment schedule in four quick steps.
Type the total amount you want to borrow in the Loan Amount field. This is the principal before any down payment.
Type the annual interest rate (APR) as a percentage, for example 6.5. The calculator converts it to a monthly rate automatically.
Type the loan length in years, for example 30 for a 30-year loan. The calculator multiplies by 12 to get the number of monthly payments.
If you are paying part of the price up front, type that amount in the Down Payment field. The monthly payment is calculated on the principal minus down payment.
The calculator shows the monthly payment, total interest, total cost, and an amortization schedule for the first 12 months.
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Build a full loan amortization schedule with monthly principal and interest.
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