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대출/모기지 계산기

대출 및 모기지의 월 상환액, 총 이자, 전체 비용 내역을 계산하세요.

대출 또는 모기지의 월 상환액, 총 비용, 이자를 계산하세요

대출 금액 (₩)

연 이자율 (%)

대출 기간 (년)

월 상환액

대출 정보를 입력하여 계산하세요

이 계산기는 표준 분할 상환 공식을 사용합니다. 실제 상환액은 수수료, 보험, 세금에 따라 달라질 수 있습니다. 개인 맞춤 조언은 금융 전문가에게 상담하세요.

How to Use This Tool

1
Enter the loan principal
Type the total amount you plan to borrow. This is the base amount before any interest.
2
Set the annual interest rate
Enter the yearly interest rate as a percentage (e.g., 5.5 for 5.5%). The calculator converts it to a monthly rate automatically.
3
Specify the loan term
Enter the number of years over which you will repay the loan. You can use decimals for partial years.
4
Review the breakdown
Instantly see your monthly payment, total payment, and total interest paid, along with a visual bar showing the principal-to-interest ratio.

What formula does this loan calculator use?: It uses the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is principal, r is monthly interest rate, and n is the total number of payments.
Can I calculate a zero-interest loan?: Yes. If you enter 0% interest, the calculator simply divides the principal by the number of months to give you equal payments with no interest cost.
Does this include taxes or insurance?: No. This calculator computes principal and interest only. Property taxes, insurance, and other fees (common in mortgage payments) are not included.
How accurate is the monthly payment estimate?: The calculation is mathematically exact for fixed-rate loans with equal monthly payments. Actual loan terms may vary due to fees, compounding differences, or variable rates.