Equal payment vs equal principal?

Equal payment keeps the monthly amount constant; equal principal has a higher early payment but lower total interest.

What rate and term does this assume?

This page assumes 4.0% over 30 years (360 months), equal payment. Change the rate and term in the calculator.

Does early repayment reduce interest?

Yes — repaying principal early reduces the remaining interest, though early-repayment fees may apply.

🏦

贷款利息计算器

等额本息·等额本金还款模拟

2026Equal-payment (amortizing) formula

Loan principal

Annual rate (%)

Loan term (months)

Grace period (months, optional)

What is the loan interest calculator?

The loan interest calculator computes the monthly payment and total interest from the principal, annual rate, and term. Equal payment keeps the monthly amount constant; equal principal repays a fixed principal each month, with a higher early burden but less total interest. This page assumes {rate}% over {years} years.

Repayment methods

Equal payment: same monthly amount
Equal principal: same principal, declining interest
Rate and term greatly affect total interest

Frequently Asked Questions

Equal payment vs equal principal?: Equal payment keeps the monthly amount constant; equal principal has a higher early payment but lower total interest.
What rate and term does this assume?: This page assumes 4.0% over 30 years (360 months), equal payment. Change the rate and term in the calculator.
Does early repayment reduce interest?: Yes — repaying principal early reduces the remaining interest, though early-repayment fees may apply.

最后更新: July 2026 · 资料来源: 한국은행