Loan Repayment Calculator
Compare equal payment, equal principal, and bullet repayment with monthly schedule details on one screen.
Run loan repayment math
Compare equal payment, equal principal, and bullet repayment in one calculator with a month-by-month schedule.
Loan summary
The calculator now shows monthly burden, total cost, and the first-to-last payment shape in one place.
Same amount every month.
Total principal plus interest over the full term.
Use this to compare cost across repayment modes.
Early burden matters for real cash flow.
Useful for understanding the payoff tail.
How this mode behaves
Start with principal, rate, term, and repayment mode. Results refresh immediately as you edit.
Monthly payment stays almost flat. It is the easiest mode for budget planning and monthly cash-flow control.
Best when you want stable monthly payments.
Compare repayment modes
The same principal, rate, and term are recalculated across all three repayment modes.
Monthly payment stays almost flat. It is the easiest mode for budget planning and monthly cash-flow control.
You repay principal faster. Early payments are heavier, but total interest is usually lower.
Monthly burden stays low because you mostly pay interest until maturity. The tradeoff is a large balloon payment at the end.
Repayment schedule
Use the first 12 months view for a quick read, then open the full schedule when you need the detailed payoff flow.
| Installment | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 1,849,712 KRW | 799,712 KRW | 1,050,000 KRW | 299,200,288 KRW |
| 2 | 1,849,712 KRW | 802,511 KRW | 1,047,201 KRW | 298,397,777 KRW |
| 3 | 1,849,712 KRW | 805,320 KRW | 1,044,392 KRW | 297,592,457 KRW |
| 4 | 1,849,712 KRW | 808,139 KRW | 1,041,574 KRW | 296,784,318 KRW |
| 5 | 1,849,712 KRW | 810,967 KRW | 1,038,745 KRW | 295,973,351 KRW |
| 6 | 1,849,712 KRW | 813,805 KRW | 1,035,907 KRW | 295,159,545 KRW |
| 7 | 1,849,712 KRW | 816,654 KRW | 1,033,058 KRW | 294,342,892 KRW |
| 8 | 1,849,712 KRW | 819,512 KRW | 1,030,200 KRW | 293,523,380 KRW |
| 9 | 1,849,712 KRW | 822,380 KRW | 1,027,332 KRW | 292,700,999 KRW |
| 10 | 1,849,712 KRW | 825,259 KRW | 1,024,454 KRW | 291,875,740 KRW |
| 11 | 1,849,712 KRW | 828,147 KRW | 1,021,565 KRW | 291,047,593 KRW |
| 12 | 1,849,712 KRW | 831,046 KRW | 1,018,667 KRW | 290,216,548 KRW |
Saved scenarios
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Frequently asked questions
FAQ blocks stay in the default page structure to provide the level of explanation these entry points need.
- Which repayment mode usually gives the lowest total interest?
Equal principal often produces lower total interest because the balance drops faster. The tradeoff is a heavier monthly burden in the first years.
- Why is equal principal heavier in the beginning?
Because the principal portion stays fixed, the early interest is still high. The payment gradually falls as the remaining balance gets smaller.
- What should I watch out for with bullet repayment?
Monthly cash flow looks light, but the principal is repaid at maturity. Use it only when the payoff plan at the end is already clear.