대출 금액, 이자율, 기간을 입력하면 상각 일정을 계산합니다. 원금과 이자 분할, 총 이자 비용을 확인하세요. 100% 무료.
이 도구는 대출 금액, 이자율, 기간을 입력하면 상각 일정을 계산합니다. 원금과 이자 분할, 총 이자 비용을 확인하세요. 100% 무료.
Amortization is the process of paying off a debt over time through regular payments. Each payment covers both interest (cost of borrowing) and principal (the actual loan amount). Early in the loan, more goes to interest. Later, more goes to principal.
Monthly payment is calculated using the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n - 1], where P is the principal, r is the monthly interest rate, and n is the total number of payments.
No, this calculator shows principal and interest only. Property taxes, homeowners insurance, and PMI are not included. For a full PITI (Principal, Interest, Taxes, Insurance) estimate, add those costs separately.
Yes, just enter the numeric values. The calculator works with any currency since it only performs percentage and time-based calculations.
Absolutely. All calculations happen inside your browser. Nothing leaves your device.