金融

住宅ローン計算機

月々の返済額・総利息・返済スケジュールを計算

$
$
%
%
税・保険・手数料を含む
$
$
%
$
$
詳細オプション（増加額・追加返済）

税・費用の年間増加率

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%
%
%

追加返済

$
$
$
月額返済額
$1,995
月額 合計
元金＋利息
固定資産税
火災保険
PMI・手数料
総支払額
住宅価格
ローン総額
頭金
総返済額
総利息
完済日

返済スケジュール

月 日付 利息 元金 残高
使い方
  1. Enter the home price — the purchase price of the home.
  2. Set your down payment as a dollar amount or percentage.
  3. Choose the loan term (10, 15, 20, 25, or 30 years).
  4. Enter the annual interest rate from your lender.
  5. 必要に応じて固定資産税・火災保険・PMIを追加して総支払額を見積もる。
  6. Click 計算する to see your monthly payment and full amortization schedule.

計算式

M = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
M = Monthly payment
P = Principal loan amount
r = Monthly interest rate (annual rate ÷ 12)
n = Number of payments (years × 12)

Calculating your monthly mortgage payments accurately is an essential step in buying a home. This calculator factors in your principal, interest rate, property taxes, and home insurance to give you a comprehensive estimate. Understanding amortization helps you see how much of your payment goes towards the principal versus interest over time. For more detailed insights into home financing, explore Investopedia's comprehensive guide to Mortgages.