住宅ローン繰上返済計算

使い方

1. 1
   項目を入力

   数値を入力するか、必要なオプションを選びます。

2. 2
   結果を見る

   値を変えるとすぐに答えが更新されます。

3. 3
   活用する

   結果をコピーするか書き留めてください。何もどこにも送信されません。

About this tool

Enter your mortgage balance, rate, remaining term and an extra monthly payment. The calculator shows the normal payment, total interest with and without the extra, the months saved and the new term.

How overpayments help

Extra payments go straight to the balance, so you pay less interest each following month. The effect grows over time because interest compounds on the lower balance. Even a small monthly overpayment can take years off a long loan.

Example

On a $250,000 balance at 5 percent over 25 years, an extra $200 a month saves about $41,000 in interest and shortens the loan by around 4 years.

Check first

Some loans charge for overpaying above an allowance, such as 10 percent a year. Compare with other uses of money, such as clearing high-interest debt or saving.

計算例

With the boxes at their starting values (Mortgage balance: 250000; Interest rate (%): 5; Remaining term (years): 25; Extra payment each month: 200), the tool shows: Normal monthly payment: 1,461; Interest without overpaying: 188,443; Interest with the extra: 144,011; Months saved: 62; New term (years): 19.8; Interest saved: 44,432. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

最良の結果を得るためのヒント

結果を信頼する前にすべての項目を確認してください。数字がひとつ違うだけで答え全体が変わります。給与明細、請求書、証明書、契約書にある正確な数字を使い、計算した日付を控えておきましょう。税率、しきい値、ルールは随時変わるため、税金、手数料、法的な事柄については結果を概算とみなし、このページに記載された公式情報源で確認してください。シナリオは何度でも試せます。何も保存・送信されず、ページを再読み込みすると入力欄はクリアされます。