대출 상환방식

원리금균등상환 계산기

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예시를 선택하면 현재 계산기의 입력값과 결과가 바로 바뀝니다. 실제 조건은 직접 수정해 확인하세요.

대출원금·연이율·상환기간을 입력해 매월 같은 금액을 납입하는 원리금균등상환의 월 납입액, 총 이자와 전체 상환표를 확인합니다.

원금과 이자를 같은 금액으로 상환

원리금균등상환 조건

입력값은 브라우저에서만 계산하며 서버나 URL로 전송하지 않습니다.

고정 월 납입 참고값

원리금균등상환 결과

월 납입액₩1,432,246
총 이자₩215,608,483
총 상환액₩515,608,483

원리금균등 방식은 매월 납입액이 원칙적으로 같고, 초반에는 이자 비중이 높다가 시간이 갈수록 원금 비중이 커집니다.

전체 상환표 보기 (360회)
회차원금이자납입액잔액
1₩432,246₩1,000,000₩1,432,246₩299,567,754
2₩433,687₩998,559₩1,432,246₩299,134,067
3₩435,132₩997,114₩1,432,246₩298,698,935
4₩436,583₩995,663₩1,432,246₩298,262,352
5₩438,038₩994,208₩1,432,246₩297,824,314
6₩439,498₩992,748₩1,432,246₩297,384,816
7₩440,963₩991,283₩1,432,246₩296,943,853
8₩442,433₩989,813₩1,432,246₩296,501,420
9₩443,908₩988,338₩1,432,246₩296,057,512
10₩445,388₩986,858₩1,432,246₩295,612,124
11₩446,872₩985,374₩1,432,246₩295,165,252
12₩448,362₩983,884₩1,432,246₩294,716,890
13₩449,856₩982,390₩1,432,246₩294,267,034
14₩451,356₩980,890₩1,432,246₩293,815,678
15₩452,860₩979,386₩1,432,246₩293,362,818
16₩454,370₩977,876₩1,432,246₩292,908,448
17₩455,885₩976,361₩1,432,246₩292,452,563
18₩457,404₩974,842₩1,432,246₩291,995,159
19₩458,929₩973,317₩1,432,246₩291,536,230
20₩460,459₩971,787₩1,432,246₩291,075,771
21₩461,993₩970,253₩1,432,246₩290,613,778
22₩463,533₩968,713₩1,432,246₩290,150,245
23₩465,079₩967,167₩1,432,246₩289,685,166
24₩466,629₩965,617₩1,432,246₩289,218,537
25₩468,184₩964,062₩1,432,246₩288,750,353
26₩469,745₩962,501₩1,432,246₩288,280,608
27₩471,311₩960,935₩1,432,246₩287,809,297
28₩472,882₩959,364₩1,432,246₩287,336,415
29₩474,458₩957,788₩1,432,246₩286,861,957
30₩476,039₩956,207₩1,432,246₩286,385,918
31₩477,626₩954,620₩1,432,246₩285,908,292
32₩479,218₩953,028₩1,432,246₩285,429,074
33₩480,816₩951,430₩1,432,246₩284,948,258
34₩482,418₩949,828₩1,432,246₩284,465,840
35₩484,027₩948,219₩1,432,246₩283,981,813
36₩485,640₩946,606₩1,432,246₩283,496,173
37₩487,259₩944,987₩1,432,246₩283,008,914
38₩488,883₩943,363₩1,432,246₩282,520,031
39₩490,513₩941,733₩1,432,246₩282,029,518
40₩492,148₩940,098₩1,432,246₩281,537,370
41₩493,788₩938,458₩1,432,246₩281,043,582
42₩495,434₩936,812₩1,432,246₩280,548,148
43₩497,086₩935,160₩1,432,246₩280,051,062
44₩498,742₩933,504₩1,432,246₩279,552,320
45₩500,405₩931,841₩1,432,246₩279,051,915
46₩502,073₩930,173₩1,432,246₩278,549,842
47₩503,747₩928,499₩1,432,246₩278,046,095
48₩505,426₩926,820₩1,432,246₩277,540,669
49₩507,110₩925,136₩1,432,246₩277,033,559
50₩508,801₩923,445₩1,432,246₩276,524,758
51₩510,497₩921,749₩1,432,246₩276,014,261
52₩512,198₩920,048₩1,432,246₩275,502,063
53₩513,906₩918,340₩1,432,246₩274,988,157
54₩515,619₩916,627₩1,432,246₩274,472,538
55₩517,338₩914,908₩1,432,246₩273,955,200
56₩519,062₩913,184₩1,432,246₩273,436,138
57₩520,792₩911,454₩1,432,246₩272,915,346
58₩522,528₩909,718₩1,432,246₩272,392,818
59₩524,270₩907,976₩1,432,246₩271,868,548
60₩526,018₩906,228₩1,432,246₩271,342,530
61₩527,771₩904,475₩1,432,246₩270,814,759
62₩529,530₩902,716₩1,432,246₩270,285,229
63₩531,295₩900,951₩1,432,246₩269,753,934
64₩533,066₩899,180₩1,432,246₩269,220,868
65₩534,843₩897,403₩1,432,246₩268,686,025
66₩536,626₩895,620₩1,432,246₩268,149,399
67₩538,415₩893,831₩1,432,246₩267,610,984
68₩540,209₩892,037₩1,432,246₩267,070,775
69₩542,010₩890,236₩1,432,246₩266,528,765
70₩543,817₩888,429₩1,432,246₩265,984,948
71₩545,630₩886,616₩1,432,246₩265,439,318
72₩547,448₩884,798₩1,432,246₩264,891,870
73₩549,273₩882,973₩1,432,246₩264,342,597
74₩551,104₩881,142₩1,432,246₩263,791,493
75₩552,941₩879,305₩1,432,246₩263,238,552
76₩554,784₩877,462₩1,432,246₩262,683,768
77₩556,633₩875,613₩1,432,246₩262,127,135
78₩558,489₩873,757₩1,432,246₩261,568,646
79₩560,351₩871,895₩1,432,246₩261,008,295
80₩562,218₩870,028₩1,432,246₩260,446,077
81₩564,092₩868,154₩1,432,246₩259,881,985
82₩565,973₩866,273₩1,432,246₩259,316,012
83₩567,859₩864,387₩1,432,246₩258,748,153
84₩569,752₩862,494₩1,432,246₩258,178,401
85₩571,651₩860,595₩1,432,246₩257,606,750
86₩573,557₩858,689₩1,432,246₩257,033,193
87₩575,469₩856,777₩1,432,246₩256,457,724
88₩577,387₩854,859₩1,432,246₩255,880,337
89₩579,312₩852,934₩1,432,246₩255,301,025
90₩581,243₩851,003₩1,432,246₩254,719,782
91₩583,180₩849,066₩1,432,246₩254,136,602
92₩585,124₩847,122₩1,432,246₩253,551,478
93₩587,074₩845,172₩1,432,246₩252,964,404
94₩589,031₩843,215₩1,432,246₩252,375,373
95₩590,995₩841,251₩1,432,246₩251,784,378
96₩592,965₩839,281₩1,432,246₩251,191,413
97₩594,941₩837,305₩1,432,246₩250,596,472
98₩596,924₩835,322₩1,432,246₩249,999,548
99₩598,914₩833,332₩1,432,246₩249,400,634
100₩600,911₩831,335₩1,432,246₩248,799,723
101₩602,914₩829,332₩1,432,246₩248,196,809
102₩604,923₩827,323₩1,432,246₩247,591,886
103₩606,940₩825,306₩1,432,246₩246,984,946
104₩608,963₩823,283₩1,432,246₩246,375,983
105₩610,993₩821,253₩1,432,246₩245,764,990
106₩613,029₩819,217₩1,432,246₩245,151,961
107₩615,073₩817,173₩1,432,246₩244,536,888
108₩617,123₩815,123₩1,432,246₩243,919,765
109₩619,180₩813,066₩1,432,246₩243,300,585
110₩621,244₩811,002₩1,432,246₩242,679,341
111₩623,315₩808,931₩1,432,246₩242,056,026
112₩625,393₩806,853₩1,432,246₩241,430,633
113₩627,477₩804,769₩1,432,246₩240,803,156
114₩629,569₩802,677₩1,432,246₩240,173,587
115₩631,667₩800,579₩1,432,246₩239,541,920
116₩633,773₩798,473₩1,432,246₩238,908,147
117₩635,886₩796,360₩1,432,246₩238,272,261
118₩638,005₩794,241₩1,432,246₩237,634,256
119₩640,132₩792,114₩1,432,246₩236,994,124
120₩642,266₩789,980₩1,432,246₩236,351,858
121₩644,406₩787,840₩1,432,246₩235,707,452
122₩646,554₩785,692₩1,432,246₩235,060,898
123₩648,710₩783,536₩1,432,246₩234,412,188
124₩650,872₩781,374₩1,432,246₩233,761,316
125₩653,042₩779,204₩1,432,246₩233,108,274
126₩655,218₩777,028₩1,432,246₩232,453,056
127₩657,402₩774,844₩1,432,246₩231,795,654
128₩659,594₩772,652₩1,432,246₩231,136,060
129₩661,792₩770,454₩1,432,246₩230,474,268
130₩663,998₩768,248₩1,432,246₩229,810,270
131₩666,212₩766,034₩1,432,246₩229,144,058
132₩668,432₩763,814₩1,432,246₩228,475,626
133₩670,661₩761,585₩1,432,246₩227,804,965
134₩672,896₩759,350₩1,432,246₩227,132,069
135₩675,139₩757,107₩1,432,246₩226,456,930
136₩677,390₩754,856₩1,432,246₩225,779,540
137₩679,648₩752,598₩1,432,246₩225,099,892
138₩681,913₩750,333₩1,432,246₩224,417,979
139₩684,186₩748,060₩1,432,246₩223,733,793
140₩686,467₩745,779₩1,432,246₩223,047,326
141₩688,755₩743,491₩1,432,246₩222,358,571
142₩691,051₩741,195₩1,432,246₩221,667,520
143₩693,354₩738,892₩1,432,246₩220,974,166
144₩695,665₩736,581₩1,432,246₩220,278,501
145₩697,984₩734,262₩1,432,246₩219,580,517
146₩700,311₩731,935₩1,432,246₩218,880,206
147₩702,645₩729,601₩1,432,246₩218,177,561
148₩704,987₩727,259₩1,432,246₩217,472,574
149₩707,337₩724,909₩1,432,246₩216,765,237
150₩709,695₩722,551₩1,432,246₩216,055,542
151₩712,061₩720,185₩1,432,246₩215,343,481
152₩714,434₩717,812₩1,432,246₩214,629,047
153₩716,816₩715,430₩1,432,246₩213,912,231
154₩719,205₩713,041₩1,432,246₩213,193,026
155₩721,603₩710,643₩1,432,246₩212,471,423
156₩724,008₩708,238₩1,432,246₩211,747,415
157₩726,421₩705,825₩1,432,246₩211,020,994
158₩728,843₩703,403₩1,432,246₩210,292,151
159₩731,272₩700,974₩1,432,246₩209,560,879
160₩733,710₩698,536₩1,432,246₩208,827,169
161₩736,155₩696,091₩1,432,246₩208,091,014
162₩738,609₩693,637₩1,432,246₩207,352,405
163₩741,071₩691,175₩1,432,246₩206,611,334
164₩743,542₩688,704₩1,432,246₩205,867,792
165₩746,020₩686,226₩1,432,246₩205,121,772
166₩748,507₩683,739₩1,432,246₩204,373,265
167₩751,002₩681,244₩1,432,246₩203,622,263
168₩753,505₩678,741₩1,432,246₩202,868,758
169₩756,017₩676,229₩1,432,246₩202,112,741
170₩758,537₩673,709₩1,432,246₩201,354,204
171₩761,065₩671,181₩1,432,246₩200,593,139
172₩763,602₩668,644₩1,432,246₩199,829,537
173₩766,148₩666,098₩1,432,246₩199,063,389
174₩768,701₩663,545₩1,432,246₩198,294,688
175₩771,264₩660,982₩1,432,246₩197,523,424
176₩773,835₩658,411₩1,432,246₩196,749,589
177₩776,414₩655,832₩1,432,246₩195,973,175
178₩779,002₩653,244₩1,432,246₩195,194,173
179₩781,599₩650,647₩1,432,246₩194,412,574
180₩784,204₩648,042₩1,432,246₩193,628,370
181₩786,818₩645,428₩1,432,246₩192,841,552
182₩789,441₩642,805₩1,432,246₩192,052,111
183₩792,072₩640,174₩1,432,246₩191,260,039
184₩794,713₩637,533₩1,432,246₩190,465,326
185₩797,362₩634,884₩1,432,246₩189,667,964
186₩800,019₩632,227₩1,432,246₩188,867,945
187₩802,686₩629,560₩1,432,246₩188,065,259
188₩805,362₩626,884₩1,432,246₩187,259,897
189₩808,046₩624,200₩1,432,246₩186,451,851
190₩810,740₩621,506₩1,432,246₩185,641,111
191₩813,442₩618,804₩1,432,246₩184,827,669
192₩816,154₩616,092₩1,432,246₩184,011,515
193₩818,874₩613,372₩1,432,246₩183,192,641
194₩821,604₩610,642₩1,432,246₩182,371,037
195₩824,343₩607,903₩1,432,246₩181,546,694
196₩827,090₩605,156₩1,432,246₩180,719,604
197₩829,847₩602,399₩1,432,246₩179,889,757
198₩832,613₩599,633₩1,432,246₩179,057,144
199₩835,389₩596,857₩1,432,246₩178,221,755
200₩838,173₩594,073₩1,432,246₩177,383,582
201₩840,967₩591,279₩1,432,246₩176,542,615
202₩843,771₩588,475₩1,432,246₩175,698,844
203₩846,583₩585,663₩1,432,246₩174,852,261
204₩849,405₩582,841₩1,432,246₩174,002,856
205₩852,236₩580,010₩1,432,246₩173,150,620
206₩855,077₩577,169₩1,432,246₩172,295,543
207₩857,928₩574,318₩1,432,246₩171,437,615
208₩860,787₩571,459₩1,432,246₩170,576,828
209₩863,657₩568,589₩1,432,246₩169,713,171
210₩866,535₩565,711₩1,432,246₩168,846,636
211₩869,424₩562,822₩1,432,246₩167,977,212
212₩872,322₩559,924₩1,432,246₩167,104,890
213₩875,230₩557,016₩1,432,246₩166,229,660
214₩878,147₩554,099₩1,432,246₩165,351,513
215₩881,074₩551,172₩1,432,246₩164,470,439
216₩884,011₩548,235₩1,432,246₩163,586,428
217₩886,958₩545,288₩1,432,246₩162,699,470
218₩889,914₩542,332₩1,432,246₩161,809,556
219₩892,881₩539,365₩1,432,246₩160,916,675
220₩895,857₩536,389₩1,432,246₩160,020,818
221₩898,843₩533,403₩1,432,246₩159,121,975
222₩901,839₩530,407₩1,432,246₩158,220,136
223₩904,846₩527,400₩1,432,246₩157,315,290
224₩907,862₩524,384₩1,432,246₩156,407,428
225₩910,888₩521,358₩1,432,246₩155,496,540
226₩913,924₩518,322₩1,432,246₩154,582,616
227₩916,971₩515,275₩1,432,246₩153,665,645
228₩920,027₩512,219₩1,432,246₩152,745,618
229₩923,094₩509,152₩1,432,246₩151,822,524
230₩926,171₩506,075₩1,432,246₩150,896,353
231₩929,258₩502,988₩1,432,246₩149,967,095
232₩932,356₩499,890₩1,432,246₩149,034,739
233₩935,464₩496,782₩1,432,246₩148,099,275
234₩938,582₩493,664₩1,432,246₩147,160,693
235₩941,710₩490,536₩1,432,246₩146,218,983
236₩944,849₩487,397₩1,432,246₩145,274,134
237₩947,999₩484,247₩1,432,246₩144,326,135
238₩951,159₩481,087₩1,432,246₩143,374,976
239₩954,329₩477,917₩1,432,246₩142,420,647
240₩957,511₩474,735₩1,432,246₩141,463,136
241₩960,702₩471,544₩1,432,246₩140,502,434
242₩963,905₩468,341₩1,432,246₩139,538,529
243₩967,118₩465,128₩1,432,246₩138,571,411
244₩970,341₩461,905₩1,432,246₩137,601,070
245₩973,576₩458,670₩1,432,246₩136,627,494
246₩976,821₩455,425₩1,432,246₩135,650,673
247₩980,077₩452,169₩1,432,246₩134,670,596
248₩983,344₩448,902₩1,432,246₩133,687,252
249₩986,622₩445,624₩1,432,246₩132,700,630
250₩989,911₩442,335₩1,432,246₩131,710,719
251₩993,210₩439,036₩1,432,246₩130,717,509
252₩996,521₩435,725₩1,432,246₩129,720,988
253₩999,843₩432,403₩1,432,246₩128,721,145
254₩1,003,176₩429,070₩1,432,246₩127,717,969
255₩1,006,519₩425,727₩1,432,246₩126,711,450
256₩1,009,874₩422,372₩1,432,246₩125,701,576
257₩1,013,241₩419,005₩1,432,246₩124,688,335
258₩1,016,618₩415,628₩1,432,246₩123,671,717
259₩1,020,007₩412,239₩1,432,246₩122,651,710
260₩1,023,407₩408,839₩1,432,246₩121,628,303
261₩1,026,818₩405,428₩1,432,246₩120,601,485
262₩1,030,241₩402,005₩1,432,246₩119,571,244
263₩1,033,675₩398,571₩1,432,246₩118,537,569
264₩1,037,121₩395,125₩1,432,246₩117,500,448
265₩1,040,578₩391,668₩1,432,246₩116,459,870
266₩1,044,046₩388,200₩1,432,246₩115,415,824
267₩1,047,527₩384,719₩1,432,246₩114,368,297
268₩1,051,018₩381,228₩1,432,246₩113,317,279
269₩1,054,522₩377,724₩1,432,246₩112,262,757
270₩1,058,037₩374,209₩1,432,246₩111,204,720
271₩1,061,564₩370,682₩1,432,246₩110,143,156
272₩1,065,102₩367,144₩1,432,246₩109,078,054
273₩1,068,652₩363,594₩1,432,246₩108,009,402
274₩1,072,215₩360,031₩1,432,246₩106,937,187
275₩1,075,789₩356,457₩1,432,246₩105,861,398
276₩1,079,375₩352,871₩1,432,246₩104,782,023
277₩1,082,973₩349,273₩1,432,246₩103,699,050
278₩1,086,582₩345,664₩1,432,246₩102,612,468
279₩1,090,204₩342,042₩1,432,246₩101,522,264
280₩1,093,838₩338,408₩1,432,246₩100,428,426
281₩1,097,485₩334,761₩1,432,246₩99,330,941
282₩1,101,143₩331,103₩1,432,246₩98,229,798
283₩1,104,813₩327,433₩1,432,246₩97,124,985
284₩1,108,496₩323,750₩1,432,246₩96,016,489
285₩1,112,191₩320,055₩1,432,246₩94,904,298
286₩1,115,898₩316,348₩1,432,246₩93,788,400
287₩1,119,618₩312,628₩1,432,246₩92,668,782
288₩1,123,350₩308,896₩1,432,246₩91,545,432
289₩1,127,095₩305,151₩1,432,246₩90,418,337
290₩1,130,852₩301,394₩1,432,246₩89,287,485
291₩1,134,621₩297,625₩1,432,246₩88,152,864
292₩1,138,403₩293,843₩1,432,246₩87,014,461
293₩1,142,198₩290,048₩1,432,246₩85,872,263
294₩1,146,005₩286,241₩1,432,246₩84,726,258
295₩1,149,825₩282,421₩1,432,246₩83,576,433
296₩1,153,658₩278,588₩1,432,246₩82,422,775
297₩1,157,503₩274,743₩1,432,246₩81,265,272
298₩1,161,362₩270,884₩1,432,246₩80,103,910
299₩1,165,233₩267,013₩1,432,246₩78,938,677
300₩1,169,117₩263,129₩1,432,246₩77,769,560
301₩1,173,014₩259,232₩1,432,246₩76,596,546
302₩1,176,924₩255,322₩1,432,246₩75,419,622
303₩1,180,847₩251,399₩1,432,246₩74,238,775
304₩1,184,783₩247,463₩1,432,246₩73,053,992
305₩1,188,733₩243,513₩1,432,246₩71,865,259
306₩1,192,695₩239,551₩1,432,246₩70,672,564
307₩1,196,671₩235,575₩1,432,246₩69,475,893
308₩1,200,660₩231,586₩1,432,246₩68,275,233
309₩1,204,662₩227,584₩1,432,246₩67,070,571
310₩1,208,677₩223,569₩1,432,246₩65,861,894
311₩1,212,706₩219,540₩1,432,246₩64,649,188
312₩1,216,749₩215,497₩1,432,246₩63,432,439
313₩1,220,805₩211,441₩1,432,246₩62,211,634
314₩1,224,874₩207,372₩1,432,246₩60,986,760
315₩1,228,957₩203,289₩1,432,246₩59,757,803
316₩1,233,053₩199,193₩1,432,246₩58,524,750
317₩1,237,163₩195,083₩1,432,246₩57,287,587
318₩1,241,287₩190,959₩1,432,246₩56,046,300
319₩1,245,425₩186,821₩1,432,246₩54,800,875
320₩1,249,576₩182,670₩1,432,246₩53,551,299
321₩1,253,742₩178,504₩1,432,246₩52,297,557
322₩1,257,921₩174,325₩1,432,246₩51,039,636
323₩1,262,114₩170,132₩1,432,246₩49,777,522
324₩1,266,321₩165,925₩1,432,246₩48,511,201
325₩1,270,542₩161,704₩1,432,246₩47,240,659
326₩1,274,777₩157,469₩1,432,246₩45,965,882
327₩1,279,026₩153,220₩1,432,246₩44,686,856
328₩1,283,290₩148,956₩1,432,246₩43,403,566
329₩1,287,567₩144,679₩1,432,246₩42,115,999
330₩1,291,859₩140,387₩1,432,246₩40,824,140
331₩1,296,166₩136,080₩1,432,246₩39,527,974
332₩1,300,486₩131,760₩1,432,246₩38,227,488
333₩1,304,821₩127,425₩1,432,246₩36,922,667
334₩1,309,170₩123,076₩1,432,246₩35,613,497
335₩1,313,534₩118,712₩1,432,246₩34,299,963
336₩1,317,913₩114,333₩1,432,246₩32,982,050
337₩1,322,306₩109,940₩1,432,246₩31,659,744
338₩1,326,714₩105,532₩1,432,246₩30,333,030
339₩1,331,136₩101,110₩1,432,246₩29,001,894
340₩1,335,573₩96,673₩1,432,246₩27,666,321
341₩1,340,025₩92,221₩1,432,246₩26,326,296
342₩1,344,492₩87,754₩1,432,246₩24,981,804
343₩1,348,973₩83,273₩1,432,246₩23,632,831
344₩1,353,470₩78,776₩1,432,246₩22,279,361
345₩1,357,981₩74,265₩1,432,246₩20,921,380
346₩1,362,508₩69,738₩1,432,246₩19,558,872
347₩1,367,050₩65,196₩1,432,246₩18,191,822
348₩1,371,607₩60,639₩1,432,246₩16,820,215
349₩1,376,179₩56,067₩1,432,246₩15,444,036
350₩1,380,766₩51,480₩1,432,246₩14,063,270
351₩1,385,368₩46,878₩1,432,246₩12,677,902
352₩1,389,986₩42,260₩1,432,246₩11,287,916
353₩1,394,620₩37,626₩1,432,246₩9,893,296
354₩1,399,268₩32,978₩1,432,246₩8,494,028
355₩1,403,933₩28,313₩1,432,246₩7,090,095
356₩1,408,612₩23,634₩1,432,246₩5,681,483
357₩1,413,308₩18,938₩1,432,246₩4,268,175
358₩1,418,019₩14,227₩1,432,246₩2,850,156
359₩1,422,745₩9,501₩1,432,246₩1,427,411
360₩1,427,411₩4,758₩1,432,169₩0
다른 상환방식과 비교기간별 이자만 계산

계산 기준과 확인일

일반 원리금균등 산식으로 계산합니다

월 이율과 상환개월 수를 기준으로 매월 같은 금액을 납입하는 일반 원리금균등 방식을 계산합니다. 회차별 원금·이자·잔액은 표시 단위 반올림으로 마지막 회차에 작은 차이가 생길 수 있습니다.

확인일: 2026-08-14. 변동금리, 거치기간, 중도상환, 연체, 수수료와 금융회사별 청구일은 반영하지 않습니다. 실제 상환 조건은 약정서와 금융회사 안내를 우선 확인하세요.

조건별 계산 가이드

원리금균등상환 계산기로 함께 확인할 내용

고정 월 납입액과 회차별 원금·이자·잔액을 확인합니다. 이 페이지에서는 원리금균등 계산, 원리금균등 상환표, 대출 월납입금 계산처럼 같은 계산 의도를 가진 표현도 별도 페이지로 나누지 않고 한 번에 설명합니다.

원리금균등상환 월 납입액

상단의 참고 예시를 선택하거나 실제 조건을 입력하면 이 상황에 맞는 결과와 계산 근거를 바로 비교할 수 있습니다.

원리금균등 전체 상환표

상단의 참고 예시를 선택하거나 실제 조건을 입력하면 이 상황에 맞는 결과와 계산 근거를 바로 비교할 수 있습니다.

원리금균등상환이란?

원리금균등상환은 상환기간 동안 원금과 이자를 합친 납입액을 원칙적으로 같게 맞추는 방식입니다. 초기에는 이자 비중이 크고, 시간이 갈수록 원금 상환 비중이 커집니다. 이 페이지는 같은 방식의 회차별 구성과 마지막 잔액 보정을 포함한 참고 상환표를 제공합니다.

원금균등상환과의 차이

원금균등상환은 매월 원금을 일정하게 갚아 초기 납입액이 더 크고 점차 줄어드는 방식입니다. 총 이자와 초기 부담을 함께 비교하려면 상환방식 비교 계산기를 이용하세요.

결과 해석

금리 변동, 거치기간, 중도상환, 연체, 수수료와 금융회사별 청구일은 반영하지 않은 단순 참고 계산입니다.

자주 묻는 질문

매달 납입액이 완전히 같나요?

이 계산기는 고정금리·거치 없음 조건의 원리금균등상환을 가정합니다. 실제 청구액은 변동금리, 실행일, 원 단위 처리와 금융회사 규정에 따라 달라질 수 있습니다.

총 이자가 가장 적은 방식인가요?

일반적으로 같은 원금·금리·기간에서 원금균등상환의 총 이자가 더 적을 수 있지만, 초기 월 부담이 더 큽니다. 자신의 현금흐름과 상환 여력을 함께 비교해야 합니다.

참고용 고지

입력값은 브라우저에서만 처리합니다. 이 결과는 금융상품 권유, 대출 승인 또는 금융회사 정산을 대신하지 않습니다. 실제 조건은 약정서와 금융회사에 확인하세요.

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