個人ローン計算ツール

毎月の支払いを計算し、ローン条件を比較し、完全な償却スケジュールを確認します。

あなたの詳細

電卓モード

$
%
%

一部の金融業者は融資額の 1 ～ 6% を請求します

Choose a mode: calculate payment, see how much you can borrow, or compare terms. Enter your details and click Calculate.

完全なユーザーガイド

What is the Personal Loan Calculator?

This calculator helps you estimate personal loan payments, see how much you can borrow for a target monthly payment, or compare different loan terms. Personal loans are unsecured and can be used for debt consolidation, home improvements, medical bills, or other expenses.

You can optionally include an origination fee (a percentage of the loan amount some lenders charge). Results include monthly payment, total interest, total cost, APR, payment breakdown and balance charts, and an amortization schedule.

Key Metrics

月々のお支払い

The fixed amount you pay each month. Shorter terms mean higher payments but less total interest.

Total Interest & Total Cost

Total interest is the cost of borrowing. Total cost adds any origination fee so you see the full cost of the loan.

4月

Annual Percentage Rate includes interest and fees, giving you a true cost to compare across lenders.

Net Proceeds

Loan amount minus origination fee: the cash you actually receive. Payments are based on the full loan amount.

この計算機の使い方

  1. Choose a mode: Calculate Payment, How Much Can I Borrow, or Compare Loan Terms.
  2. Enter loan amount (or desired payment for affordability), interest rate (APR), and term.
  3. Optionally enter an origination fee percentage.
  4. Click Calculate. View monthly payment, total interest, charts, and amortization (payment mode) or comparison table and chart (compare mode).
  5. In payment results, switch between Monthly and Yearly schedule views.

結果を理解する

支払いの計算

Shows your fixed monthly payment, total interest, total cost (interest + fee), and APR. The amortization schedule shows how each payment splits between principal and interest and the remaining balance.

いくらまで借りられますか?

Enter the monthly payment you can afford; the calculator shows the maximum loan amount you can get at the given rate and term.

ローン条件を比較する

Shows monthly payment and total interest for 12–84 months so you can see how term length affects payment size and total cost.

チャートを理解する

Payment breakdown: Doughnut chart of principal vs. interest so you see how much of your total payments go to the loan vs. borrowing cost.

Balance over time: Line chart of remaining balance by month. In Compare Terms mode, a bar chart shows total interest by term length.

数式

Monthly Payment (M)

M = P × [r(1+r)^n] / [(1+r)^n − 1]

P = loan amount, r = monthly rate (APR ÷ 12), n = number of months

Origination fee

Fee = Loan amount × (Origination fee % ÷ 100). Net proceeds = Loan amount − Fee.

重要な注意事項

  • Results are estimates. Actual rates and terms depend on your credit and the lender. APR may include fees; check your loan agreement.
  • Rates often vary by credit: excellent (750+) ~6–10% APR, good (700–749) ~10–15%, fair (650–699) ~15–20%, poor (<650) ~20–36%.
  • Compare APRs from multiple lenders and check for prepayment penalties before borrowing.

Tips

•Shorter terms mean higher payments but less total interest.
•Check your credit score and fix errors before applying.
•Compare offers from multiple lenders; APR includes fees.
•Common uses: debt consolidation, home improvements, medical bills, major purchases.

📤 Share This Tool