Loan calculator
The standard amortization formula. Switch the regional label — the algebra is the same reducing-balance math.
기본값은 내 지역입니다. 다른 척도와 비교하려면 전환하세요.
Fixed payment, monthly compounding.
결과
₩0
Monthly payment
- Total interest₩0
- Total paid₩0
- Payments12
First 12 payments
| No. | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | ₩0 | ₩0 | ₩0 | ₩0 |
| 2 | ₩0 | ₩0 | ₩0 | ₩0 |
| 3 | ₩0 | ₩0 | ₩0 | ₩0 |
| 4 | ₩0 | ₩0 | ₩0 | ₩0 |
| 5 | ₩0 | ₩0 | ₩0 | ₩0 |
| 6 | ₩0 | ₩0 | ₩0 | ₩0 |
| 7 | ₩0 | ₩0 | ₩0 | ₩0 |
| 8 | ₩0 | ₩0 | ₩0 | ₩0 |
| 9 | ₩0 | ₩0 | ₩0 | ₩0 |
| 10 | ₩0 | ₩0 | ₩0 | ₩0 |
| 11 | ₩0 | ₩0 | ₩0 | ₩0 |
| 12 | ₩0 | ₩0 | ₩0 | ₩0 |
공식
M = P × [r(1+r)^n] ÷ [(1+r)^n − 1]r = annual rate ÷ 12, n = years × 12
계산 방법
- Enter principal, annual interest, and term.
- Monthly rate r = APR/12; n = months.
- Payment is the annuity formula; leftover is interest.
자주 묻는 질문
Is Indian EMI a different formula?
Reducing-balance EMI used by Indian banks is the same amortization equation. Processing fees and GST on charges are extra — use the EMI page to add them.